Firstbank - St. Johns

Headquarters

201 N. Clinton Avenue
Saint Johns, MI 48879
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Firstbank - St. Johns is an FDIC insured institution located in Saint Johns, MI. It was founded in 2000 and has approximately $0.1 billion in assets.

FDIC Insured Yes
FDIC Certificate # 35577
Date Established 2000
Assets $ 100.40 million
Loans $ 63.92 million
Deposits $ 88.13 million
Capital $ 9.68 million
 

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

Deposit Rates - September 23, 2021

Your Current Location: California, CA 92111

 

Loan Rates - September 23, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for Firstbank - St. Johns

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




Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Payment
Learn More
Morty, Inc.
NMLS ID: 1429243
2.654% 2.625%
0.38 points
$960 fees
$1,005 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Firstbank - St. Johns
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Branches

Firstbank - St. Johns 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:
San Diego,California


Firstbank - St. Johns Locations


Financial Details

Firstbank - St. Johns Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Firstbank - St. Johns. 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
Firstbank - St. Johns U.S. Bank Average
23.26% 5.29%

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, 2021, Firstbank - St. Johns had $2,371,000 in non-current loans and $287,000 in owned real estate. To cover these potential losses it had $9,684,000 in equity and $1,744,000 in loans loss reserves. That gives it a Texas Ratio of 23.26%.

Return on Equity
Firstbank - St. Johns U.S. Bank Average
-11.96% 11.43%

Firstbank - St. Johns has a Return on Equity of -11.96% versus the BestCashCow average of 11.43%. 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
Firstbank - St. Johns U.S. Bank Average
9.65% 11.51%

Firstbank - St. Johns has a Capitalization of 9.65% versus the BestCashCow average of 11.51. 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.

Firstbank - St. Johns Balance Sheet Analysis

As of June 30, 2011, Firstbank - St. Johns had assets of $100,402,000, loans of $63,919,000, and deposits of $88,129,000. 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, 2021
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 $ 63.92 million
Loan loss allowance $ 1.74 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.29 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 88.13 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 $ 100.40 million

Summary Income Statement

March 31, 2021
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 Firstbank - St. Johns’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Firstbank - St. Johns’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 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Firstbank - St. Johns

Branches and Savings

Is Firstbank - St. Johns FDIC insured?

Yes. It is covered under FDIC Certificate #35577.

Why does Firstbank - St. Johns pay such low interest on savings accounts?

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

Why are Firstbank - St. Johns CD rates not competitive?

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

Is Firstbank - St. Johns a commercial bank?

Yes

Where are Firstbank - St. Johns locations?

See branch locations nearby.

Is Firstbank - St. Johns open on Saturdays?

Is Firstbank - St. Johns open on Sundays?

What time does Firstbank - St. Johns open?

What time does Firstbank - St. Johns close?

Are Firstbank - St. Johns ATMs Open 24/7?

Do Firstbank - St. Johns ATMs accept cash deposits?

Can Firstbank - St. Johns customers use other ATMs?

Do Firstbank - St. Johns branches have notaries?

Will Firstbank - St. Johns notarize my document?

What address for Firstbank - St. Johns should I put for incoming ACH transfers?

Will the Firstbank - St. Johns branch print checks?

Do Firstbank - St. Johns checks expire?

Does Firstbank - St. Johns require US citizenship to open account?

Can Firstbank - St. Johns close my account?

Does Firstbank - St. Johns Report to credit bureaus?

Does Firstbank - St. Johns Use Equifax?

What is Firstbank - St. Johns's ACH Routing Number?

What is Firstbank - St. Johns's SWIFT code?

Products

Does Firstbank - St. Johns offer mortgages?

Compare mortgage rates here.

Does Firstbank - St. Johns offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Firstbank - St. Johns offer personal loans?

Compare personal loan rates here.

Does Firstbank - St. Johns offer student loans?

Will Firstbank - St. Johns cash a check?

Will Firstbank - St. Johns redeem a savings bond?

Does Firstbank - St. Johns cash savings bonds?

Will Firstbank - St. Johns cash money orders?

Can Firstbank - St. Johns issue a money order?

Does Firstbank - St. Johns do currency exchange?

Background on The Bank

Who owns Firstbank - St. Johns?

How long has Firstbank - St. Johns been around?

Can Firstbank - St. Johns transfer to other banks?

Does Firstbank - St. Johns have quick pay?

Does Firstbank - St. Johns accept rolled coins?

Will Firstbank - St. Johns accept loose change?

Where is Firstbank - St. Johns headquarters?

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