First Trust and Savings Bank, Oneida, Tennessee

Headquarters

106 Municipal Drive
Oneida, TN 37841
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 Trust and Savings Bank, Oneida, Tennessee is an FDIC insured institution located in Oneida, TN. It was founded in 1923 and has approximately $0.15 billion in assets.

FDIC Insured Yes
FDIC Certificate # 6109
Date Established 1923
Assets $ 146.37 million
Loans $ 84.18 million
Deposits $ 125.81 million
Capital $ 15.45 million
 

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

Deposit Rates - October 25, 2020

Your Current Location: Washington, WA 98101


Loan Rates - October 25, 2020

Your Current Location: Washington, WA 98101

There are currently no loan rates available for First Trust and Savings Bank, Oneida, Tennessee

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




Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
2.575% 2.500% 1.00 $2,470 $988 Learn More
Cascadia Mortgage
NMLS ID: 1505422
License#: NMLS #1505422
2.830% 2.750% 0.63 $2,622 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to First Trust and Savings Bank, Oneida, Tennessee
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Branches

First Trust and Savings Bank, Oneida, Tennessee 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:
Seattle,Washington


First Trust and Savings Bank, Oneida, Tennessee Locations


Financial Details

First Trust and Savings Bank, Oneida, Tennessee Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Trust and Savings Bank, Oneida, Tennessee. 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 Trust and Savings Bank, Oneida, Tennessee U.S. Bank Average
30.27% 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 Trust and Savings Bank, Oneida, Tennessee had $1,839,000 in non-current loans and $3,382,000 in owned real estate. To cover these potential losses it had $15,450,000 in equity and $1,799,000 in loans loss reserves. That gives it a Texas Ratio of 30.27%.

Return on Equity
First Trust and Savings Bank, Oneida, Tennessee U.S. Bank Average
8.21% 7.80%

First Trust and Savings Bank, Oneida, Tennessee has a Return on Equity of 8.21% 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 Trust and Savings Bank, Oneida, Tennessee U.S. Bank Average
10.56% 12.68%

First Trust and Savings Bank, Oneida, Tennessee has a Capitalization of 10.56% 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 Trust and Savings Bank, Oneida, Tennessee Balance Sheet Analysis

As of March 31, 2014, First Trust and Savings Bank, Oneida, Tennessee had assets of $146,371,000, loans of $84,179,000, and deposits of $125,813,000. 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 $ 84.18 million
Loan loss allowance $ 1.80 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 3.38 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 125.81 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 $ 146.37 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 Trust and Savings Bank, Oneida, Tennessee’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks, First Trust and Savings Bank, Oneida, Tennessee’s loan portfolio does not show any specific loan specialty.

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 48.57
Multifamily
Mortgages
3.53
Credit Card Loans 0.00
Consumer Auto Loans 4.44
Small Business Loans 6.59
Construction and Development Loans 6.47
Commercial Real Estate 17.02
Commercial and Industrial Loans 5.66
Farm Loans 0.03

Frequently Asked Questions About First Trust And Savings Bank, Oneida, Tennessee

Branches and Savings

Is First Trust And Savings Bank, Oneida, Tennessee FDIC insured?

Yes. It is covered under FDIC Certificate #6109.

Why does First Trust And Savings Bank, Oneida, Tennessee pay such low interest on savings accounts?

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

Why are First Trust And Savings Bank, Oneida, Tennessee CD rates not competitive?

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

Is First Trust And Savings Bank, Oneida, Tennessee a commercial bank?

Yes

Where are First Trust And Savings Bank, Oneida, Tennessee locations?

See branch locations nearby.

Is First Trust And Savings Bank, Oneida, Tennessee open on Saturdays?

Is First Trust And Savings Bank, Oneida, Tennessee open on Sundays?

What time does First Trust And Savings Bank, Oneida, Tennessee open?

What time does First Trust And Savings Bank, Oneida, Tennessee close?

Are First Trust And Savings Bank, Oneida, Tennessee ATMs Open 24/7?

Do First Trust And Savings Bank, Oneida, Tennessee ATMs accept cash deposits?

Can First Trust And Savings Bank, Oneida, Tennessee customers use other ATMs?

Do First Trust And Savings Bank, Oneida, Tennessee branches have notaries?

Will First Trust And Savings Bank, Oneida, Tennessee notarize my document?

What address for First Trust And Savings Bank, Oneida, Tennessee should I put for incoming ACH transfers?

Will the First Trust And Savings Bank, Oneida, Tennessee branch print checks?

Do First Trust And Savings Bank, Oneida, Tennessee checks expire?

Does First Trust And Savings Bank, Oneida, Tennessee require US citizenship to open account?

Can First Trust And Savings Bank, Oneida, Tennessee close my account?

Does First Trust And Savings Bank, Oneida, Tennessee Report to credit bureaus?

Does First Trust And Savings Bank, Oneida, Tennessee Use Equifax?

What is First Trust And Savings Bank, Oneida, Tennessee's ACH Routing Number?

What is First Trust And Savings Bank, Oneida, Tennessee's SWIFT code?

Products

Does First Trust And Savings Bank, Oneida, Tennessee offer mortgages?

Compare mortgage rates here.

Does First Trust And Savings Bank, Oneida, Tennessee offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Trust And Savings Bank, Oneida, Tennessee offer personal loans?

Compare personal loan rates here.

Does First Trust And Savings Bank, Oneida, Tennessee offer student loans?

Will First Trust And Savings Bank, Oneida, Tennessee cash a check?

Will First Trust And Savings Bank, Oneida, Tennessee redeem a savings bond?

Does First Trust And Savings Bank, Oneida, Tennessee cash savings bonds?

Will First Trust And Savings Bank, Oneida, Tennessee cash money orders?

Can First Trust And Savings Bank, Oneida, Tennessee issue a money order?

Does First Trust And Savings Bank, Oneida, Tennessee do currency exchange?

Background on The Bank

Who owns First Trust And Savings Bank, Oneida, Tennessee?

How long has First Trust And Savings Bank, Oneida, Tennessee been around?

Can First Trust And Savings Bank, Oneida, Tennessee transfer to other banks?

Does First Trust And Savings Bank, Oneida, Tennessee have quick pay?

Does First Trust And Savings Bank, Oneida, Tennessee accept rolled coins?

Will First Trust And Savings Bank, Oneida, Tennessee accept loose change?

Where is First Trust And Savings Bank, Oneida, Tennessee headquarters?

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