First State Bank of Warren

104 S Main Street
Warren, AR 71671

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 94
Date Established 1890
Assets $0.11 billion
Loans $0.04 billion
Deposits $0.10 billion
Capital $0.01 billion

First State Bank of Warren is an FDIC insured institution located in Warren, AR. It was founded in 1890 and has approximately $0.11 billion in assets. Customers can open an account at one of its 4 branches.

For a more detailed analysis of First State Bank of Warren's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 15, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.35% $1,500 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.65% $500 $99,999 Learn MoreShow Less
6 Mo CD
0.75% $500 $99,999 Learn MoreShow Less
12 Mo CD
0.95% $500 $99,999 Learn MoreShow Less
24 Mo CD
1.06% $500 $99,999 Learn MoreShow Less
36 Mo CD
1.06% $500 $99,999 Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.77% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
1.51% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $500 - Learn MoreShow Less

Loan Rates - September 15, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for First State Bank of Warren

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.751% 3.750% 0.00 $25 $1,158 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

Note to First State Bank of Warren
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Branches

First State Bank of Warren branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


First State Bank of Warren Locations


Financial Details

First State Bank of Warren Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First State Bank of Warren. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First State Bank of Warren U.S. Bank Average
6.78% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, First State Bank of Warren had $616,000 in non-current loans and $208,000 in owned real estate. To cover these potential losses it had $11,652,000 in equity and $507,000 in loans loss reserves. That gives it a Texas Ratio of 6.78%.

Return on Equity
First State Bank of Warren U.S. Bank Average
10.24% 9.47%

First State Bank of Warren has a Return on Equity of 10.24% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First State Bank of Warren U.S. Bank Average
10.81% 12.49%

First State Bank of Warren has a Capitalization of 10.81% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First State Bank of Warren Balance Sheet Analysis

As of March 31, 2019, First State Bank of Warren had assets of $107,828,000, loans of $42,201,000, and deposits of $95,869,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.06 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.04 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.10 billion
LIABILITIES
Total deposits $0.10 billion
      Interest-bearing deposits $0.08 billion
      Deposits held in domestic offices $0.10 billion
      % insured (estimated) 79.18%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.10 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in First State Bank of Warren’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks in Arkansas, First State Bank of Warren has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 17.20
Multifamily
Mortgages
0.36
Credit Card Loans 0.00
Consumer Auto Loans 1.26
Small Business Loans 0.00
Construction and Development Loans 3.77
Commercial Real Estate 25.69
Commercial and Industrial Loans 35.31
Farm Loans 3.54

Frequently Asked Questions About First State Bank Of Warren

Branches and Savings

Is First State Bank Of Warren FDIC insured?

Yes. It is covered under FDIC Certificate #94.

Why does First State Bank Of Warren pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First State Bank Of Warren CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First State Bank Of Warren a commercial bank?

Yes

Where are First State Bank Of Warren locations?

See branch locations nearby.

Is First State Bank Of Warren open on Saturdays?

Is First State Bank Of Warren open on Sundays?

What time does First State Bank Of Warren open?

What time does First State Bank Of Warren close?

Are First State Bank Of Warren ATMs Open 24/7?

Do First State Bank Of Warren ATMs accept cash deposits?

Can First State Bank Of Warren customers use other ATMs?

Do First State Bank Of Warren branches have notaries?

Will First State Bank Of Warren notarize my document?

What address for First State Bank Of Warren should I put for incoming ACH transfers?

Will the First State Bank Of Warren branch print checks?

Do First State Bank Of Warren checks expire?

Does First State Bank Of Warren require US citizenship to open account?

Can First State Bank Of Warren close my account?

Does First State Bank Of Warren Report to credit bureaus?

Does First State Bank Of Warren Use Equifax?

What is First State Bank Of Warren's ACH Routing Number?

What is First State Bank Of Warren's SWIFT code?

Products

Does First State Bank Of Warren offer mortgages?

Compare mortgage rates here.

Does First State Bank Of Warren offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First State Bank Of Warren offer personal loans?

Compare personal loan rates here.

Does First State Bank Of Warren offer student loans?

Will First State Bank Of Warren cash a check?

Will First State Bank Of Warren redeem a savings bond?

Does First State Bank Of Warren cash savings bonds?

Will First State Bank Of Warren cash money orders?

Can First State Bank Of Warren issue a money order?

Does First State Bank Of Warren do currency exchange?

Background on The Bank

Who owns First State Bank Of Warren?

How long has First State Bank Of Warren been around?

Can First State Bank Of Warren transfer to other banks?

Does First State Bank Of Warren have quick pay?

Does First State Bank Of Warren accept rolled coins?

Will First State Bank Of Warren accept loose change?

Where is First State Bank Of Warren headquarters?

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