Geauga Savings Bank

10800 Kinsman Road
Newbury, OH 44065

Notable Rates APY Vs.Others
Savings 0.04% 1.90% →
1-Year CD 0.15% 1.90% →
2-Year CD 1.00% 1.95% →
5-Year CD 1.15% 2.00% →
30-Year Mortgage N.A. 3.14% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.50% →

2020 Overview

General Bank Information

Geauga Savings Bank is an FDIC insured institution located in Newbury, OH. It was founded in 1983 and has approximately $0.27 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 32287
Date Established 1983
Assets $0.27 billion
Loans $0.18 billion
Deposits $0.18 billion
Capital $0.04 billion

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

Deposit Rates - April 6, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.08% $7,500 $24,999 Learn MoreShow Less
Money Market
0.18% $25,000 - Learn MoreShow Less
3 Mo CD
0.03% $1,000 - Learn MoreShow Less
Special: 3 Mo CD
0.40% $2,500 - Learn MoreShow Less
Special: 6 Mo CD
0.65% $1,000 - Learn MoreShow Less
6 Mo CD
0.10% $1,000 - Learn MoreShow Less

Fixed IRA
0.20% $100 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.10% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $1 $9,999 Learn MoreShow Less

Loan Rates - April 6, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Geauga Savings 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
Learn More
Rocket Mortgage
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to Geauga Savings Bank
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Financial Details

Geauga Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Geauga Savings 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
Geauga Savings Bank U.S. Bank Average
8.76% 6.51%

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 December 31, 2019, Geauga Savings Bank had $3,528,000 in non-current loans and $127,000 in owned real estate. To cover these potential losses it had $40,076,000 in equity and $1,659,000 in loans loss reserves. That gives it a Texas Ratio of 8.76%.

Return on Equity
Geauga Savings Bank U.S. Bank Average
4.65% 9.41%

Geauga Savings Bank has a Return on Equity of 4.65% versus the BestCashCow average of 9.41%. 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.

Geauga Savings Bank U.S. Bank Average
14.58% 12.82%

Geauga Savings Bank has a Capitalization of 14.58% versus the BestCashCow average of 12.82. 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.

Geauga Savings Bank Balance Sheet Analysis

As of December 31, 2019, Geauga Savings Bank had assets of $273,125,000, loans of $179,471,000, and deposits of $184,266,000. 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

December 31, 2019
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.02 billion
Total securities $0.07 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.18 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.23 billion
Total deposits $0.18 billion
      Interest-bearing deposits $0.17 billion
      Deposits held in domestic offices $0.18 billion
      % insured (estimated) 91.56%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.05 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.23 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

December 31, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Geauga Savings Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Ohio, Geauga Savings Bank has a significantly higher percent of Commercial Real Estate 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 29.48
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 17.38
Construction and Development Loans 2.59
Commercial Real Estate 46.91
Commercial and Industrial Loans 12.03
Farm Loans 0.00

Frequently Asked Questions About Geauga Savings Bank

Branches and Savings

Is Geauga Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #32287.

Why does Geauga Savings Bank pay such low interest on savings accounts?

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

Why are Geauga Savings Bank CD rates not competitive?

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

Is Geauga Savings Bank a commercial bank?


Where are Geauga Savings Bank locations?

See branch locations nearby.

Is Geauga Savings Bank open on Saturdays?

Is Geauga Savings Bank open on Sundays?

What time does Geauga Savings Bank open?

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Are Geauga Savings Bank ATMs Open 24/7?

Do Geauga Savings Bank ATMs accept cash deposits?

Can Geauga Savings Bank customers use other ATMs?

Do Geauga Savings Bank branches have notaries?

Will Geauga Savings Bank notarize my document?

What address for Geauga Savings Bank should I put for incoming ACH transfers?

Will the Geauga Savings Bank branch print checks?

Do Geauga Savings Bank checks expire?

Does Geauga Savings Bank require US citizenship to open account?

Can Geauga Savings Bank close my account?

Does Geauga Savings Bank Report to credit bureaus?

Does Geauga Savings Bank Use Equifax?

What is Geauga Savings Bank's ACH Routing Number?

What is Geauga Savings Bank's SWIFT code?


Does Geauga Savings Bank offer mortgages?

Compare mortgage rates here.

Does Geauga Savings Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Geauga Savings Bank offer personal loans?

Compare personal loan rates here.

Does Geauga Savings Bank offer student loans?

Will Geauga Savings Bank cash a check?

Will Geauga Savings Bank redeem a savings bond?

Does Geauga Savings Bank cash savings bonds?

Will Geauga Savings Bank cash money orders?

Can Geauga Savings Bank issue a money order?

Does Geauga Savings Bank do currency exchange?

Background on The Bank

Who owns Geauga Savings Bank?

How long has Geauga Savings Bank been around?

Can Geauga Savings Bank transfer to other banks?

Does Geauga Savings Bank have quick pay?

Does Geauga Savings Bank accept rolled coins?

Will Geauga Savings Bank accept loose change?

Where is Geauga Savings Bank headquarters?

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