Flint River National Bank

Headquarters

260 U.S. Highway 19 North
Camilla, GA 31730
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 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

Flint River National Bank is an FDIC insured institution located in Camilla, GA. It was founded in 2004 and has approximately $0.02 billion in assets.

FDIC Insured Yes
FDIC Certificate # 57786
Date Established 2004
Assets $ 19.18 million
Loans $ 8.95 million
Deposits $ 17.86 million
Capital $ 1.24 million
 

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

Deposit Rates - September 19, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - September 19, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Flint River National 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
Rocket Mortgage
NMLS ID: 3030
3.872% 3.750% 1.00 $3,750 $1,158 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.815% 2.750% 0.88 $2,118 $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 Flint River National Bank
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Branches

Flint River National 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


Flint River National Bank Locations


Financial Details

Flint River National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Flint River National 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
Flint River National Bank U.S. Bank Average
110.15% 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, Flint River National Bank had $1,411,000 in non-current loans and $477,000 in owned real estate. To cover these potential losses it had $1,243,000 in equity and $471,000 in loans loss reserves. That gives it a Texas Ratio of 110.15%.

Return on Equity
Flint River National Bank U.S. Bank Average
-25.84% 7.80%

Flint River National Bank has a Return on Equity of -25.84% 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
Flint River National Bank U.S. Bank Average
6.48% 12.68%

Flint River National Bank has a Capitalization of 6.48% 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.

Flint River National Bank Balance Sheet Analysis

As of March 31, 2014, Flint River National Bank had assets of $19,181,000, loans of $8,946,000, and deposits of $17,859,000. 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 $ 8.95 million
Loan loss allowance $ 0.47 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.48 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 17.86 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 $ 19.18 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 Flint River National Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in Georgia, Flint River National Bank has a significantly higher percent of Small Business Loans, 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 23.81
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 1.60
Small Business Loans 35.08
Construction and Development Loans 5.87
Commercial Real Estate 38.60
Commercial and Industrial Loans 19.24
Farm Loans 5.82

Frequently Asked Questions About Flint River National Bank

Branches and Savings

Is Flint River National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57786.

Why does Flint River National Bank pay such low interest on savings accounts?

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

Why are Flint River National Bank CD rates not competitive?

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

Is Flint River National Bank a commercial bank?

Yes

Where are Flint River National Bank locations?

See branch locations nearby.

Is Flint River National Bank open on Saturdays?

Is Flint River National Bank open on Sundays?

What time does Flint River National Bank open?

What time does Flint River National Bank close?

Are Flint River National Bank ATMs Open 24/7?

Do Flint River National Bank ATMs accept cash deposits?

Can Flint River National Bank customers use other ATMs?

Do Flint River National Bank branches have notaries?

Will Flint River National Bank notarize my document?

What address for Flint River National Bank should I put for incoming ACH transfers?

Will the Flint River National Bank branch print checks?

Do Flint River National Bank checks expire?

Does Flint River National Bank require US citizenship to open account?

Can Flint River National Bank close my account?

Does Flint River National Bank Report to credit bureaus?

Does Flint River National Bank Use Equifax?

What is Flint River National Bank's ACH Routing Number?

What is Flint River National Bank's SWIFT code?

Products

Does Flint River National Bank offer mortgages?

Compare mortgage rates here.

Does Flint River National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Flint River National Bank offer personal loans?

Compare personal loan rates here.

Does Flint River National Bank offer student loans?

Will Flint River National Bank cash a check?

Will Flint River National Bank redeem a savings bond?

Does Flint River National Bank cash savings bonds?

Will Flint River National Bank cash money orders?

Can Flint River National Bank issue a money order?

Does Flint River National Bank do currency exchange?

Background on The Bank

Who owns Flint River National Bank?

How long has Flint River National Bank been around?

Can Flint River National Bank transfer to other banks?

Does Flint River National Bank have quick pay?

Does Flint River National Bank accept rolled coins?

Will Flint River National Bank accept loose change?

Where is Flint River National Bank headquarters?

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