Flowers National Bank


1415 Washington Street
Cainsville, MO 64632
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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

Flowers National Bank is an FDIC insured institution located in Cainsville, MO. It was founded in 1906 and has approximately $0.04 billion in assets.

FDIC Insured Yes
FDIC Certificate # 4527
Date Established 1906
Assets $ 42.39 million
Loans $ 15.86 million
Deposits $ 36.69 million
Capital $ 5.60 million

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

Deposit Rates - October 24, 2020

Your Current Location: Virginia, VA 20146

Loan Rates - October 24, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Flowers 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

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Featured - Virginia Home Equity Line Of Credit Rates 2020

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Third Federal Savings and Loans
Third Federal Savings and Loans
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2.240 %
$0 Learn More
More Info

Note to Flowers National Bank
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Financial Details

Flowers National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Flowers National Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Flowers National Bank U.S. Bank Average
0.79% 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, Flowers National Bank had $46,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $5,604,000 in equity and $194,000 in loans loss reserves. That gives it a Texas Ratio of 0.79%.

Return on Equity
Flowers National Bank U.S. Bank Average
6.36% 7.80%

Flowers National Bank has a Return on Equity of 6.36% 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.

Flowers National Bank U.S. Bank Average
13.22% 12.68%

Flowers National Bank has a Capitalization of 13.22% 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.

Flowers National Bank Balance Sheet Analysis

As of March 31, 2015, Flowers National Bank had assets of $39,638,000, loans of $15,856,000, and deposits of $36,691,000. 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
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 $ 15.86 million
Loan loss allowance $ 0.19 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.
Total deposits $ 36.69 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 $ 42.39 million

Summary Income Statement

March 31, 2020
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 Flowers National Bank’s loan portfolio are Farm Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Missouri, Flowers National Bank has a significantly higher percent of Credit Card Loans, Small Business Loans, Farm 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 15.74
Credit Card Loans 0.57
Consumer Auto Loans 1.05
Small Business Loans 15.82
Construction and Development Loans 0.22
Commercial Real Estate 15.82
Commercial and Industrial Loans 3.17
Farm Loans 19.20

Frequently Asked Questions About Flowers National Bank

Branches and Savings

Is Flowers National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #4527.

Why does Flowers 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 Flowers National Bank CD rates not competitive?

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

Is Flowers National Bank a commercial bank?


Where are Flowers National Bank locations?

See branch locations nearby.

Is Flowers National Bank open on Saturdays?

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Are Flowers National Bank ATMs Open 24/7?

Do Flowers National Bank ATMs accept cash deposits?

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Do Flowers National Bank branches have notaries?

Will Flowers National Bank notarize my document?

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

Will the Flowers National Bank branch print checks?

Do Flowers National Bank checks expire?

Does Flowers National Bank require US citizenship to open account?

Can Flowers National Bank close my account?

Does Flowers National Bank Report to credit bureaus?

Does Flowers National Bank Use Equifax?

What is Flowers National Bank's ACH Routing Number?

What is Flowers National Bank's SWIFT code?


Does Flowers National Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Flowers National Bank offer personal loans?

Compare personal loan rates here.

Does Flowers National Bank offer student loans?

Will Flowers National Bank cash a check?

Will Flowers National Bank redeem a savings bond?

Does Flowers National Bank cash savings bonds?

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Can Flowers National Bank issue a money order?

Does Flowers National Bank do currency exchange?

Background on The Bank

Who owns Flowers National Bank?

How long has Flowers National Bank been around?

Can Flowers National Bank transfer to other banks?

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