Hamptons State Bank

Headquarters

243 Windmill Lane
Southampton, NY 11968
See all branch locations →

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

Hamptons State Bank is an FDIC insured institution located in Southampton, NY. It was founded in 1998 and has approximately $0.07 billion in assets.

FDIC Insured Yes
FDIC Certificate # 34624
Date Established 1998
Assets $ 68.06 million
Loans $ 40.17 million
Deposits $ 57.79 million
Capital $ 4.56 million
 

For a more detailed analysis of Hamptons State 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 Hamptons State 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
Payment
Learn More
CIT Bank
NMLS ID: 541760
2.873% 2.800%
1.00 points
$2,380 fees
$1,028 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
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Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Hamptons State Bank
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Branches

Hamptons State 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:
San Diego,California


Hamptons State Bank Locations


Financial Details

Hamptons State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Hamptons State 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
Hamptons State Bank U.S. Bank Average
15.5% 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, Hamptons State Bank had $812,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $4,556,000 in equity and $684,000 in loans loss reserves. That gives it a Texas Ratio of 15.5%.

Return on Equity
Hamptons State Bank U.S. Bank Average
-6.82% 11.43%

Hamptons State Bank has a Return on Equity of -6.82% 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.

Capitalization
Hamptons State Bank U.S. Bank Average
6.69% 11.51%

Hamptons State Bank has a Capitalization of 6.69% 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.

Hamptons State Bank Balance Sheet Analysis

As of March 31, 2011, Hamptons State Bank had assets of $68,058,000, loans of $40,166,000, and deposits of $57,794,000. 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
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 $ 40.17 million
Loan loss allowance $ 0.68 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.
LIABILITIES
Total deposits $ 57.79 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 $ 68.06 million

Summary Income Statement

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

Compared to other banks, Hamptons State 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Multifamily
Mortgages
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 Hamptons State Bank

Branches and Savings

Is Hamptons State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34624.

Why does Hamptons State Bank pay such low interest on savings accounts?

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

Why are Hamptons State Bank CD rates not competitive?

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

Is Hamptons State Bank a commercial bank?

Yes

Where are Hamptons State Bank locations?

See branch locations nearby.

Is Hamptons State Bank open on Saturdays?

Is Hamptons State Bank open on Sundays?

What time does Hamptons State Bank open?

What time does Hamptons State Bank close?

Are Hamptons State Bank ATMs Open 24/7?

Do Hamptons State Bank ATMs accept cash deposits?

Can Hamptons State Bank customers use other ATMs?

Do Hamptons State Bank branches have notaries?

Will Hamptons State Bank notarize my document?

What address for Hamptons State Bank should I put for incoming ACH transfers?

Will the Hamptons State Bank branch print checks?

Do Hamptons State Bank checks expire?

Does Hamptons State Bank require US citizenship to open account?

Can Hamptons State Bank close my account?

Does Hamptons State Bank Report to credit bureaus?

Does Hamptons State Bank Use Equifax?

What is Hamptons State Bank's ACH Routing Number?

What is Hamptons State Bank's SWIFT code?

Products

Does Hamptons State Bank offer mortgages?

Compare mortgage rates here.

Does Hamptons State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Hamptons State Bank offer personal loans?

Compare personal loan rates here.

Does Hamptons State Bank offer student loans?

Will Hamptons State Bank cash a check?

Will Hamptons State Bank redeem a savings bond?

Does Hamptons State Bank cash savings bonds?

Will Hamptons State Bank cash money orders?

Can Hamptons State Bank issue a money order?

Does Hamptons State Bank do currency exchange?

Background on The Bank

Who owns Hamptons State Bank?

How long has Hamptons State Bank been around?

Can Hamptons State Bank transfer to other banks?

Does Hamptons State Bank have quick pay?

Does Hamptons State Bank accept rolled coins?

Will Hamptons State Bank accept loose change?

Where is Hamptons State Bank headquarters?

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