Glasgow Savings Bank


601 First Street
Glasgow, MO 65254
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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

Glasgow Savings Bank is an FDIC insured institution located in Glasgow, MO. It was founded in 1852 and has approximately $0.02 billion in assets.

FDIC Insured Yes
FDIC Certificate # 1056
Date Established 1852
Assets $ 22.34 million
Loans $ 12.18 million
Deposits $ 21.81 million
Capital $ 0.44 million

For a more detailed analysis of Glasgow Savings Bank'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 Glasgow Savings Bank

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
Learn More
NMLS ID: 2890
License#: 413-0477
2.684% 2.625%
0.75 points
$1,932 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 Glasgow Savings Bank
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Glasgow Savings Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Glasgow Savings Bank Locations

Financial Details

Glasgow Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Glasgow 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
Glasgow Savings Bank U.S. Bank Average
200.63% 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, Glasgow Savings Bank had $2,864,000 in non-current loans and $322,000 in owned real estate. To cover these potential losses it had $442,000 in equity and $1,146,000 in loans loss reserves. That gives it a Texas Ratio of 200.63%.

Return on Equity
Glasgow Savings Bank U.S. Bank Average
-256.17% 11.43%

Glasgow Savings Bank has a Return on Equity of -256.17% 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.

Glasgow Savings Bank U.S. Bank Average
1.98% 11.51%

Glasgow Savings Bank has a Capitalization of 1.98% 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.

Glasgow Savings Bank Balance Sheet Analysis

As of June 30, 2012, Glasgow Savings Bank had assets of $22,341,000, loans of $12,180,000, and deposits of $21,809,000. 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
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 $ 12.18 million
Loan loss allowance $ 1.15 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.32 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 21.81 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 $ 22.34 million

Summary Income Statement

March 31, 2021
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 Glasgow Savings Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Glasgow Savings Bank’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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 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 Glasgow Savings Bank

Branches and Savings

Is Glasgow Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #1056.

Why does Glasgow 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 Glasgow Savings Bank CD rates not competitive?

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

Is Glasgow Savings Bank a commercial bank?


Where are Glasgow Savings Bank locations?

See branch locations nearby.

Is Glasgow Savings Bank open on Saturdays?

Is Glasgow Savings Bank open on Sundays?

What time does Glasgow Savings Bank open?

What time does Glasgow Savings Bank close?

Are Glasgow Savings Bank ATMs Open 24/7?

Do Glasgow Savings Bank ATMs accept cash deposits?

Can Glasgow Savings Bank customers use other ATMs?

Do Glasgow Savings Bank branches have notaries?

Will Glasgow Savings Bank notarize my document?

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

Will the Glasgow Savings Bank branch print checks?

Do Glasgow Savings Bank checks expire?

Does Glasgow Savings Bank require US citizenship to open account?

Can Glasgow Savings Bank close my account?

Does Glasgow Savings Bank Report to credit bureaus?

Does Glasgow Savings Bank Use Equifax?

What is Glasgow Savings Bank's ACH Routing Number?

What is Glasgow Savings Bank's SWIFT code?


Does Glasgow Savings Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Glasgow Savings Bank offer personal loans?

Compare personal loan rates here.

Does Glasgow Savings Bank offer student loans?

Will Glasgow Savings Bank cash a check?

Will Glasgow Savings Bank redeem a savings bond?

Does Glasgow Savings Bank cash savings bonds?

Will Glasgow Savings Bank cash money orders?

Can Glasgow Savings Bank issue a money order?

Does Glasgow Savings Bank do currency exchange?

Background on The Bank

Who owns Glasgow Savings Bank?

How long has Glasgow Savings Bank been around?

Can Glasgow Savings Bank transfer to other banks?

Does Glasgow Savings Bank have quick pay?

Does Glasgow Savings Bank accept rolled coins?

Will Glasgow Savings Bank accept loose change?

Where is Glasgow Savings Bank headquarters?

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