Four Oaks Bank & Trust Company

Headquarters

6144 Us Highway 301 South
Four Oaks, NC 27524
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

Four Oaks Bank & Trust Company is an FDIC insured institution located in Four Oaks, NC. It was founded in 1912 and has approximately $0.72 billion in assets.

FDIC Insured Yes
FDIC Certificate # 11506
Date Established 1912
Assets $ 736.89 million
Loans $ 494.42 million
Deposits $ 561.82 million
Capital $ 93.39 million
 

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

Deposit Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Four Oaks Bank & Trust Company

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




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

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3.872% 3.750% 1.00 $3,750 $1,158 Learn More
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Featured - Connecticut Home Equity Line Of Credit Rates 2020

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Note to Four Oaks Bank & Trust Company
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Branches

Four Oaks Bank & Trust Company 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:
Fairfield,Connecticut


Four Oaks Bank & Trust Company Locations


Financial Details

Four Oaks Bank & Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Four Oaks Bank & Trust Company. 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
Four Oaks Bank & Trust Company U.S. Bank Average
4.82% 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, Four Oaks Bank & Trust Company had $3,724,000 in non-current loans and $1,225,000 in owned real estate. To cover these potential losses it had $93,392,000 in equity and $9,390,000 in loans loss reserves. That gives it a Texas Ratio of 4.82%.

Return on Equity
Four Oaks Bank & Trust Company U.S. Bank Average
6.52% 7.80%

Four Oaks Bank & Trust Company has a Return on Equity of 6.52% 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
Four Oaks Bank & Trust Company U.S. Bank Average
12.67% 12.68%

Four Oaks Bank & Trust Company has a Capitalization of 12.67% 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.

Four Oaks Bank & Trust Company Balance Sheet Analysis

As of September 30, 2017, Four Oaks Bank & Trust Company had assets of $723,662,000, loans of $494,421,000, and deposits of $561,821,000. 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 $ 494.42 million
Loan loss allowance $ 9.39 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.23 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 561.82 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 $ 736.89 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 Four Oaks Bank & Trust Company’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.

Compared to other banks in North Carolina, Four Oaks Bank & Trust Company has a significantly higher percent of 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 25.38
Multifamily
Mortgages
7.78
Credit Card Loans 0.40
Consumer Auto Loans 0.35
Small Business Loans 0.00
Construction and Development Loans 19.22
Commercial Real Estate 40.78
Commercial and Industrial Loans 4.03
Farm Loans 0.27

Frequently Asked Questions About Four Oaks Bank & Trust Company

Branches and Savings

Is Four Oaks Bank & Trust Company FDIC insured?

Yes. It is covered under FDIC Certificate #11506.

Why does Four Oaks Bank & Trust Company pay such low interest on savings accounts?

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

Why are Four Oaks Bank & Trust Company CD rates not competitive?

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

Is Four Oaks Bank & Trust Company a commercial bank?

Yes

Where are Four Oaks Bank & Trust Company locations?

See branch locations nearby.

Is Four Oaks Bank & Trust Company open on Saturdays?

Is Four Oaks Bank & Trust Company open on Sundays?

What time does Four Oaks Bank & Trust Company open?

What time does Four Oaks Bank & Trust Company close?

Are Four Oaks Bank & Trust Company ATMs Open 24/7?

Do Four Oaks Bank & Trust Company ATMs accept cash deposits?

Can Four Oaks Bank & Trust Company customers use other ATMs?

Do Four Oaks Bank & Trust Company branches have notaries?

Will Four Oaks Bank & Trust Company notarize my document?

What address for Four Oaks Bank & Trust Company should I put for incoming ACH transfers?

Will the Four Oaks Bank & Trust Company branch print checks?

Do Four Oaks Bank & Trust Company checks expire?

Does Four Oaks Bank & Trust Company require US citizenship to open account?

Can Four Oaks Bank & Trust Company close my account?

Does Four Oaks Bank & Trust Company Report to credit bureaus?

Does Four Oaks Bank & Trust Company Use Equifax?

What is Four Oaks Bank & Trust Company's ACH Routing Number?

What is Four Oaks Bank & Trust Company's SWIFT code?

Products

Does Four Oaks Bank & Trust Company offer mortgages?

Compare mortgage rates here.

Does Four Oaks Bank & Trust Company offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Four Oaks Bank & Trust Company offer personal loans?

Compare personal loan rates here.

Does Four Oaks Bank & Trust Company offer student loans?

Will Four Oaks Bank & Trust Company cash a check?

Will Four Oaks Bank & Trust Company redeem a savings bond?

Does Four Oaks Bank & Trust Company cash savings bonds?

Will Four Oaks Bank & Trust Company cash money orders?

Can Four Oaks Bank & Trust Company issue a money order?

Does Four Oaks Bank & Trust Company do currency exchange?

Background on The Bank

Who owns Four Oaks Bank & Trust Company?

How long has Four Oaks Bank & Trust Company been around?

Can Four Oaks Bank & Trust Company transfer to other banks?

Does Four Oaks Bank & Trust Company have quick pay?

Does Four Oaks Bank & Trust Company accept rolled coins?

Will Four Oaks Bank & Trust Company accept loose change?

Where is Four Oaks Bank & Trust Company headquarters?

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