First State Bank of Wilton

Headquarters

110 Dakota Avenue
Wilton, ND 58579
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

First State Bank of Wilton is an FDIC insured institution located in Wilton, ND. It was founded in 1920 and has approximately $0.04 billion in assets.

FDIC Insured Yes
FDIC Certificate # 16975
Date Established 1920
Assets $ 38.49 million
Loans $ 16.99 million
Deposits $ 33.90 million
Capital $ 3.92 million
 

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

Deposit Rates - October 27, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - October 27, 2020

Your Current Location: Connecticut, CT 06828

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

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




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

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Featured - Connecticut Home Equity Line Of Credit Rates 2020

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Note to First State Bank of Wilton
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Branches

First State Bank of Wilton 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:
Fairfield,Connecticut


First State Bank of Wilton Locations


Financial Details

First State Bank of Wilton Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First State Bank of Wilton. 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 Wilton U.S. Bank Average
0% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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, 2020, First State Bank of Wilton had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $3,917,000 in equity and $267,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
First State Bank of Wilton U.S. Bank Average
14.41% 7.80%

First State Bank of Wilton has a Return on Equity of 14.41% versus the BestCashCow average of 7.80%. 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 Wilton U.S. Bank Average
10.18% 12.68%

First State Bank of Wilton has a Capitalization of 10.18% versus the BestCashCow average of 12.68. 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 Wilton Balance Sheet Analysis

As of June 30, 2013, First State Bank of Wilton had assets of $38,489,000, loans of $16,990,000, and deposits of $33,904,000. 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, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 16.99 million
Loan loss allowance $ 0.27 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 33.90 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 38.49 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in First State Bank of Wilton’s loan portfolio are Farm Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in North Dakota, First State Bank of Wilton has a significantly higher percent of Credit Card Loans, Small Business 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 4.07
Multifamily
Mortgages
5.64
Credit Card Loans 0.38
Consumer Auto Loans 0.40
Small Business Loans 7.85
Construction and Development Loans 2.83
Commercial Real Estate 7.85
Commercial and Industrial Loans 6.61
Farm Loans 37.18

Frequently Asked Questions About First State Bank Of Wilton

Branches and Savings

Is First State Bank Of Wilton FDIC insured?

Yes. It is covered under FDIC Certificate #16975.

Why does First State Bank Of Wilton 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 Wilton CD rates not competitive?

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

Is First State Bank Of Wilton a commercial bank?

Yes

Where are First State Bank Of Wilton locations?

See branch locations nearby.

Is First State Bank Of Wilton open on Saturdays?

Is First State Bank Of Wilton open on Sundays?

What time does First State Bank Of Wilton open?

What time does First State Bank Of Wilton close?

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

Do First State Bank Of Wilton ATMs accept cash deposits?

Can First State Bank Of Wilton customers use other ATMs?

Do First State Bank Of Wilton branches have notaries?

Will First State Bank Of Wilton notarize my document?

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

Will the First State Bank Of Wilton branch print checks?

Do First State Bank Of Wilton checks expire?

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

Can First State Bank Of Wilton close my account?

Does First State Bank Of Wilton Report to credit bureaus?

Does First State Bank Of Wilton Use Equifax?

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

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

Products

Does First State Bank Of Wilton offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does First State Bank Of Wilton offer personal loans?

Compare personal loan rates here.

Does First State Bank Of Wilton offer student loans?

Will First State Bank Of Wilton cash a check?

Will First State Bank Of Wilton redeem a savings bond?

Does First State Bank Of Wilton cash savings bonds?

Will First State Bank Of Wilton cash money orders?

Can First State Bank Of Wilton issue a money order?

Does First State Bank Of Wilton do currency exchange?

Background on The Bank

Who owns First State Bank Of Wilton?

How long has First State Bank Of Wilton been around?

Can First State Bank Of Wilton transfer to other banks?

Does First State Bank Of Wilton have quick pay?

Does First State Bank Of Wilton accept rolled coins?

Will First State Bank Of Wilton accept loose change?

Where is First State Bank Of Wilton headquarters?

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