Hodge Bank & Trust Company

Headquarters

4619 Quitman Highway
Hodge, LA 71247
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

Hodge Bank & Trust Company is an FDIC insured institution located in Hodge, LA. It was founded in 1965 and has approximately $0.07 billion in assets.

FDIC Insured Yes
FDIC Certificate # 19354
Date Established 1965
Assets $ 73.77 million
Loans $ 46.16 million
Deposits $ 59.23 million
Capital $ 13.85 million
 

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

Deposit Rates - September 28, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - September 28, 2020

Your Current Location: Virginia, VA 20146

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

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
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.815% 2.750% 0.88 $2,102 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
3.998% 3.875% 1.00 $3,750 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Hodge Bank & Trust Company
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Branches

Hodge 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:
Ashburn,Virginia


Hodge Bank & Trust Company Locations


Financial Details

Hodge Bank & Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Hodge 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
Hodge Bank & Trust Company U.S. Bank Average
7.53% 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, Hodge Bank & Trust Company had $1,113,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $13,845,000 in equity and $932,000 in loans loss reserves. That gives it a Texas Ratio of 7.53%.

Return on Equity
Hodge Bank & Trust Company U.S. Bank Average
13.04% 7.80%

Hodge Bank & Trust Company has a Return on Equity of 13.04% 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
Hodge Bank & Trust Company U.S. Bank Average
18.77% 12.68%

Hodge Bank & Trust Company has a Capitalization of 18.77% 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.

Hodge Bank & Trust Company Balance Sheet Analysis

As of March 31, 2020, Hodge Bank & Trust Company had assets of $73,766,000, loans of $46,164,000, and deposits of $59,225,000. 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 $ 5.65 million
Interest-bearing balances $ 1.85 million
Total securities $ 7.15 million
Federal funds sold and reverse repurchase $ 14.03 million
Net loans and leases $ 46.16 million
Loan loss allowance $ 0.93 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 $ 0.72 million
     Total Assets $ 59.92 million
LIABILITIES
Total deposits $ 59.23 million
      Interest-bearing deposits $ 47.48 million
      Deposits held in domestic offices $ 59.23 million
      % insured (estimated) 88.83%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.70 million
      Total Liabilities $ 59.92 million
      Shareholders’ Equity $ 13.85 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.95 million
Total Interest Expense $ 0.12 million
Net interest income $ 0.83 million
Provision for loan and lease losses $ 0.08 million
Total non interest income $ 0.09 million
Total non interest expense $ 0.40 million
Pre-tax Net Operating Income $ 0.45 million

Bank Loan Profile?

The top three loan types in Hodge Bank & Trust Company’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks, Hodge Bank & Trust Company’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 44.40
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 8.92
Small Business Loans 0.00
Construction and Development Loans 4.66
Commercial Real Estate 17.40
Commercial and Industrial Loans 19.39
Farm Loans 0.00

Frequently Asked Questions About Hodge Bank & Trust Company

Branches and Savings

Is Hodge Bank & Trust Company FDIC insured?

Yes. It is covered under FDIC Certificate #19354.

Why does Hodge 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 Hodge Bank & Trust Company CD rates not competitive?

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

Is Hodge Bank & Trust Company a commercial bank?

Yes

Where are Hodge Bank & Trust Company locations?

See branch locations nearby.

Is Hodge Bank & Trust Company open on Saturdays?

Is Hodge Bank & Trust Company open on Sundays?

What time does Hodge Bank & Trust Company open?

What time does Hodge Bank & Trust Company close?

Are Hodge Bank & Trust Company ATMs Open 24/7?

Do Hodge Bank & Trust Company ATMs accept cash deposits?

Can Hodge Bank & Trust Company customers use other ATMs?

Do Hodge Bank & Trust Company branches have notaries?

Will Hodge Bank & Trust Company notarize my document?

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

Will the Hodge Bank & Trust Company branch print checks?

Do Hodge Bank & Trust Company checks expire?

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

Can Hodge Bank & Trust Company close my account?

Does Hodge Bank & Trust Company Report to credit bureaus?

Does Hodge Bank & Trust Company Use Equifax?

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

What is Hodge Bank & Trust Company's SWIFT code?

Products

Does Hodge Bank & Trust Company offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Hodge Bank & Trust Company offer personal loans?

Compare personal loan rates here.

Does Hodge Bank & Trust Company offer student loans?

Will Hodge Bank & Trust Company cash a check?

Will Hodge Bank & Trust Company redeem a savings bond?

Does Hodge Bank & Trust Company cash savings bonds?

Will Hodge Bank & Trust Company cash money orders?

Can Hodge Bank & Trust Company issue a money order?

Does Hodge Bank & Trust Company do currency exchange?

Background on The Bank

Who owns Hodge Bank & Trust Company?

How long has Hodge Bank & Trust Company been around?

Can Hodge Bank & Trust Company transfer to other banks?

Does Hodge Bank & Trust Company have quick pay?

Does Hodge Bank & Trust Company accept rolled coins?

Will Hodge Bank & Trust Company accept loose change?

Where is Hodge Bank & Trust Company headquarters?

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