Home Exchange Bank

220 South Broadway
Jamesport, MO 64648

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 8884
Date Established 1925
Assets $0.16 billion
Loans $0.07 billion
Deposits $0.11 billion
Capital $0.01 billion

Home Exchange Bank is an FDIC insured institution located in Jamesport, MO. It was founded in 1925 and has approximately $0.16 billion in assets. Customers can open an account at one of its 3 branches.

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

Bank Loan Profile?

The top three loan types in Home Exchange Bank’s loan portfolio are Commercial Real Estate, Farm Loans, and Commercial and Industrial Loans.

Compared to other banks in Missouri, Home Exchange Bank has a significantly higher percent of Farm 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 7.90
Multifamily
Mortgages
0.38
Credit Card Loans 0.00
Consumer Auto Loans 0.50
Small Business Loans 0.00
Construction and Development Loans 0.35
Commercial Real Estate 18.61
Commercial and Industrial Loans 12.02
Farm Loans 18.03

Deposit Rates - February 21, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $2,500 $4,999 Learn MoreShow Less
Money Market
0.30% $10,000 $14,999 Learn MoreShow Less
Money Market
0.30% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
0.40% $10,000 $14,999 Learn MoreShow Less
3 Mo CD
0.40% $100,000 - Learn MoreShow Less
0.40% $10,000 $14,999 Learn MoreShow Less
6 Mo CD
0.55% $100,000 - Learn MoreShow Less
0.50% $10,000 $14,999 Learn MoreShow Less
12 Mo CD
0.65% $100,000 - Learn MoreShow Less
0.70% $10,000 $14,999 Learn MoreShow Less
18 Mo CD
0.85% $100,000 - Learn MoreShow Less
Special: 24 Mo CD
1.51% $500 $7,499 Learn MoreShow Less
Special: 24 Mo CD
2.02% $7,500 $9,999 Learn MoreShow Less
Special: 24 Mo CD
2.22% $10,000 $14,999 Learn MoreShow Less
2.20% $10,000 $14,999 Learn MoreShow Less
Special: 24 Mo CD
2.32% $15,000 $24,999 Learn MoreShow Less
Special: 24 Mo CD
2.42% $25,000 $49,999 Learn MoreShow Less
Special: 24 Mo CD
2.52% $50,000 - Learn MoreShow Less
24 Mo CD
2.50% $50,000 - Learn MoreShow Less
0.90% $10,000 $14,999 Learn MoreShow Less
0.95% $10,000 $14,999 Learn MoreShow Less
36 Mo CD
1.10% $100,000 - Learn MoreShow Less
1.10% $10,000 $14,999 Learn MoreShow Less
48 Mo CD
1.25% $100,000 - Learn MoreShow Less
1.30% $10,000 $14,999 Learn MoreShow Less
60 Mo CD
1.45% $100,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
0.50% $500 $4,999 Learn MoreShow Less
Special: 24 Mo FIRA
1.51% $500 $7,499 Learn MoreShow Less
Special: 24 Mo FIRA
2.02% $7,500 $9,999 Learn MoreShow Less
Special: 24 Mo FIRA
2.22% $10,000 $14,999 Learn MoreShow Less
Special: 24 Mo FIRA
2.32% $15,000 $24,999 Learn MoreShow Less
Special: 24 Mo FIRA
2.42% $25,000 $49,999 Learn MoreShow Less
Special: 24 Mo FIRA
2.52% $50,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.60% $500 $4,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.10% $1 $999 Learn MoreShow Less
0.10% $2,500 $4,999 Learn MoreShow Less

Loan Rates - February 21, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Home Exchange 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 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.750% 4.750% 0.00 $0 $1,305 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Flagstar Bank
Flagstar Bank
Intro APR
3.490 %
After Intro: 6.240 %
Intro Period: 6 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to Home Exchange Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Home Exchange 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:
Ashburn,Virginia


Home Exchange Bank Locations


Financial Details

Home Exchange Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Home Exchange 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
Home Exchange Bank U.S. Bank Average
0.04% 7.34%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 September 30, 2018, Home Exchange Bank had $8,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $14,545,000 in equity and $4,535,000 in loans loss reserves. That gives it a Texas Ratio of 0.04%.

Return on Equity
Home Exchange Bank U.S. Bank Average
17.42% 9.95%

Home Exchange Bank has a Return on Equity of 17.42% versus the BestCashCow average of 9.95%. 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
Home Exchange Bank U.S. Bank Average
8.96% 12.19%

Home Exchange Bank has a Capitalization of 8.96% versus the BestCashCow average of 12.19. 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.

Home Exchange Bank Balance Sheet Analysis

As of September 30, 2018, Home Exchange Bank had assets of $162,416,000, loans of $68,438,000, and deposits of $110,310,000. 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

September 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.08 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.07 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 $0.15 billion
LIABILITIES
Total deposits $0.11 billion
      Interest-bearing deposits $0.09 billion
      Deposits held in domestic offices $0.11 billion
      % insured (estimated) 83.76%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.04 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.15 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

September 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Home Exchange Bank

Branches and Savings

Is Home Exchange Bank FDIC insured?

Yes. It is covered under FDIC Certificate #8884.

Why does Home Exchange Bank pay such low interest on savings accounts?

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

Why are Home Exchange Bank CD rates not competitive?

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

Is Home Exchange Bank a commercial bank?

Yes

Where are Home Exchange Bank locations?

See branch locations nearby.

Is Home Exchange Bank open on Saturdays?

Is Home Exchange Bank open on Sundays?

What time does Home Exchange Bank open?

What time does Home Exchange Bank close?

Are Home Exchange Bank ATMs Open 24/7?

Do Home Exchange Bank ATMs accept cash deposits?

Can Home Exchange Bank customers use other ATMs?

Do Home Exchange Bank branches have notaries?

Will Home Exchange Bank notarize my document?

What address for Home Exchange Bank should I put for incoming ACH transfers?

Will the Home Exchange Bank branch print checks?

Do Home Exchange Bank checks expire?

Does Home Exchange Bank require US citizenship to open account?

Can Home Exchange Bank close my account?

Does Home Exchange Bank Report to credit bureaus?

Does Home Exchange Bank Use Equifax?

What is Home Exchange Bank's ACH Routing Number?

What is Home Exchange Bank's SWIFT code?

Products

Does Home Exchange Bank offer mortgages?

Compare mortgage rates here.

Does Home Exchange Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Home Exchange Bank offer personal loans?

Compare personal loan rates here.

Does Home Exchange Bank offer student loans?

Will Home Exchange Bank cash a check?

Will Home Exchange Bank redeem a savings bond?

Does Home Exchange Bank cash savings bonds?

Will Home Exchange Bank cash money orders?

Can Home Exchange Bank issue a money order?

Does Home Exchange Bank do currency exchange?

Background on The Bank

Who owns Home Exchange Bank?

How long has Home Exchange Bank been around?

Can Home Exchange Bank transfer to other banks?

Does Home Exchange Bank have quick pay?

Does Home Exchange Bank accept rolled coins?

Will Home Exchange Bank accept loose change?

Where is Home Exchange Bank headquarters?

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*All images, logos and public notes on this page appear courtesy of Home Exchange Bank and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.