Firstar Bank

Headquarters

1720 East Cherokee Street
Sallisaw, OK 74955
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.01% 1.05% →
1-Year CD 0.60% 0.95% →
2-Year CD 0.75% 1.05% →
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

Firstar Bank is an FDIC insured institution located in Sallisaw, OK. It was founded in 1964 and has approximately $0.71 billion in assets. Customers can open an account at one of its 7 branches.

FDIC Insured Yes
FDIC Certificate # 19288
Date Established 1964
Assets $ 714.39 million
Loans $ 575.46 million
Deposits $ 630.86 million
Capital $ 74.79 million
 

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

Deposit Rates - September 25, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.01% $1,000 $4,999 Learn More
Money Market
0.01% $1,000 $4,999 Learn More
Money Market
0.20% $10,000 $99,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.05% $1,000 $49,999 Learn More
3 Mo CD
0.30% $100,000 - Learn More
6 Mo CD
0.30% $1,000 $49,999 Learn More
6 Mo CD
0.45% $100,000 - Learn More
12 Mo CD
0.45% $1,000 $49,999 Learn More
12 Mo CD
0.60% $100,000 - Learn More
24 Mo CD
0.60% $1,000 $49,999 Learn More
24 Mo CD
0.75% $100,000 - Learn More
36 Mo CD
0.65% $1,000 $49,999 Learn More
36 Mo CD
0.85% $100,000 - Learn More
48 Mo CD
0.75% $1,000 $49,999 Learn More
48 Mo CD
0.95% $100,000 - Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.01% $1,000 $4,999 Learn MoreShow Less

Loan Rates - September 25, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Firstar Bank

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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.815% 2.750% 0.88 $2,102 $1,021 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Firstar Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Firstar Bank 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


Firstar Bank Locations


Financial Details

Firstar Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Firstar Bank. 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
Firstar Bank U.S. Bank Average
9.84% 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, Firstar Bank had $7,219,000 in non-current loans and $862,000 in owned real estate. To cover these potential losses it had $74,788,000 in equity and $7,355,000 in loans loss reserves. That gives it a Texas Ratio of 9.84%.

Return on Equity
Firstar Bank U.S. Bank Average
8.78% 7.80%

Firstar Bank has a Return on Equity of 8.78% 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
Firstar Bank U.S. Bank Average
10.47% 12.68%

Firstar Bank has a Capitalization of 10.47% 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.

Firstar Bank Balance Sheet Analysis

As of March 31, 2020, Firstar Bank had assets of $714,386,000, loans of $575,461,000, and deposits of $630,856,000. 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 $ 53.39 million
Interest-bearing balances $ 40.26 million
Total securities $ 35.66 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 575.46 million
Loan loss allowance $ 7.36 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.86 million
Goodwill and other intangibles $ 16.41 million
All other assets $ 8.21 million
     Total Assets $ 639.60 million
LIABILITIES
Total deposits $ 630.86 million
      Interest-bearing deposits $ 480.17 million
      Deposits held in domestic offices $ 630.86 million
      % insured (estimated) 62.95%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 6.35 million
Subordinated debt N.A.
All other liabilities $ 2.39 million
      Total Liabilities $ 639.60 million
      Shareholders’ Equity $ 74.79 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 8.62 million
Total Interest Expense $ 1.54 million
Net interest income $ 7.08 million
Provision for loan and lease losses $ 1.45 million
Total non interest income $ 2.92 million
Total non interest expense $ 6.55 million
Pre-tax Net Operating Income $ 2.00 million

Bank Loan Profile?

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

Compared to other banks in Oklahoma, Firstar Bank has a significantly higher percent of Multifamily Mortgages, Construction and Development 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 25.69
Multifamily
Mortgages
3.76
Credit Card Loans 0.00
Consumer Auto Loans 1.12
Small Business Loans 0.00
Construction and Development Loans 17.40
Commercial Real Estate 24.51
Commercial and Industrial Loans 23.51
Farm Loans 0.50

Frequently Asked Questions About Firstar Bank

Branches and Savings

Is Firstar Bank FDIC insured?

Yes. It is covered under FDIC Certificate #19288.

Why does Firstar Bank pay such low interest on savings accounts?

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

Why are Firstar Bank CD rates not competitive?

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

Is Firstar Bank a commercial bank?

Yes

Where are Firstar Bank locations?

See branch locations nearby.

Is Firstar Bank open on Saturdays?

Is Firstar Bank open on Sundays?

What time does Firstar Bank open?

What time does Firstar Bank close?

Are Firstar Bank ATMs Open 24/7?

Do Firstar Bank ATMs accept cash deposits?

Can Firstar Bank customers use other ATMs?

Do Firstar Bank branches have notaries?

Will Firstar Bank notarize my document?

What address for Firstar Bank should I put for incoming ACH transfers?

Will the Firstar Bank branch print checks?

Do Firstar Bank checks expire?

Does Firstar Bank require US citizenship to open account?

Can Firstar Bank close my account?

Does Firstar Bank Report to credit bureaus?

Does Firstar Bank Use Equifax?

What is Firstar Bank's ACH Routing Number?

What is Firstar Bank's SWIFT code?

Products

Does Firstar Bank offer mortgages?

Compare mortgage rates here.

Does Firstar Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Firstar Bank offer personal loans?

Compare personal loan rates here.

Does Firstar Bank offer student loans?

Will Firstar Bank cash a check?

Will Firstar Bank redeem a savings bond?

Does Firstar Bank cash savings bonds?

Will Firstar Bank cash money orders?

Can Firstar Bank issue a money order?

Does Firstar Bank do currency exchange?

Background on The Bank

Who owns Firstar Bank?

How long has Firstar Bank been around?

Can Firstar Bank transfer to other banks?

Does Firstar Bank have quick pay?

Does Firstar Bank accept rolled coins?

Will Firstar Bank accept loose change?

Where is Firstar Bank headquarters?

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