Hot Springs Bank & Trust Company

Headquarters

4446 Central Avenue
Hot Springs, AR 71913
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.25% →
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

Hot Springs Bank & Trust Company is an FDIC insured institution located in Hot Springs, AR. It was founded in 1920 and has approximately $0.08 billion in assets.

FDIC Insured Yes
FDIC Certificate # 3855
Date Established 1920
Assets $ 80.91 million
Loans $ 49.30 million
Deposits $ 71.12 million
Capital $ 9.43 million
 

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

Deposit Rates - September 24, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 24, 2020

Your Current Location: Connecticut, CT 06828

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

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,128 $1,021 Learn More

Featured - Connecticut 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 Hot Springs Bank & Trust Company
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Branches

Hot Springs 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:
Fairfield,Connecticut


Hot Springs Bank & Trust Company Locations


Financial Details

Hot Springs Bank & Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Hot Springs 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
Hot Springs Bank & Trust Company U.S. Bank Average
59.34% 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, Hot Springs Bank & Trust Company had $2,697,000 in non-current loans and $4,021,000 in owned real estate. To cover these potential losses it had $9,432,000 in equity and $1,889,000 in loans loss reserves. That gives it a Texas Ratio of 59.34%.

Return on Equity
Hot Springs Bank & Trust Company U.S. Bank Average
-10.69% 7.80%

Hot Springs Bank & Trust Company has a Return on Equity of -10.69% 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
Hot Springs Bank & Trust Company U.S. Bank Average
11.66% 12.68%

Hot Springs Bank & Trust Company has a Capitalization of 11.66% 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.

Hot Springs Bank & Trust Company Balance Sheet Analysis

As of September 30, 2013, Hot Springs Bank & Trust Company had assets of $80,907,000, loans of $49,304,000, and deposits of $71,117,000. 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 N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 49.30 million
Loan loss allowance $ 1.89 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 4.02 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 71.12 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 $ 80.91 million

Summary Income Statement

March 31, 2020
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 Hot Springs Bank & Trust Company’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Arkansas, Hot Springs Bank & Trust Company has a significantly higher percent of 1-4 Family Residential Loans, Small Business Loans, Construction and Development 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 49.57
Multifamily
Mortgages
2.14
Credit Card Loans 0.00
Consumer Auto Loans 0.53
Small Business Loans 21.44
Construction and Development Loans 15.66
Commercial Real Estate 27.73
Commercial and Industrial Loans 5.68
Farm Loans 0.00

Frequently Asked Questions About Hot Springs Bank & Trust Company

Branches and Savings

Is Hot Springs Bank & Trust Company FDIC insured?

Yes. It is covered under FDIC Certificate #3855.

Why does Hot Springs 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 Hot Springs Bank & Trust Company CD rates not competitive?

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

Is Hot Springs Bank & Trust Company a commercial bank?

Yes

Where are Hot Springs Bank & Trust Company locations?

See branch locations nearby.

Is Hot Springs Bank & Trust Company open on Saturdays?

Is Hot Springs Bank & Trust Company open on Sundays?

What time does Hot Springs Bank & Trust Company open?

What time does Hot Springs Bank & Trust Company close?

Are Hot Springs Bank & Trust Company ATMs Open 24/7?

Do Hot Springs Bank & Trust Company ATMs accept cash deposits?

Can Hot Springs Bank & Trust Company customers use other ATMs?

Do Hot Springs Bank & Trust Company branches have notaries?

Will Hot Springs Bank & Trust Company notarize my document?

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

Will the Hot Springs Bank & Trust Company branch print checks?

Do Hot Springs Bank & Trust Company checks expire?

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

Can Hot Springs Bank & Trust Company close my account?

Does Hot Springs Bank & Trust Company Report to credit bureaus?

Does Hot Springs Bank & Trust Company Use Equifax?

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

What is Hot Springs Bank & Trust Company's SWIFT code?

Products

Does Hot Springs Bank & Trust Company offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Hot Springs Bank & Trust Company offer personal loans?

Compare personal loan rates here.

Does Hot Springs Bank & Trust Company offer student loans?

Will Hot Springs Bank & Trust Company cash a check?

Will Hot Springs Bank & Trust Company redeem a savings bond?

Does Hot Springs Bank & Trust Company cash savings bonds?

Will Hot Springs Bank & Trust Company cash money orders?

Can Hot Springs Bank & Trust Company issue a money order?

Does Hot Springs Bank & Trust Company do currency exchange?

Background on The Bank

Who owns Hot Springs Bank & Trust Company?

How long has Hot Springs Bank & Trust Company been around?

Can Hot Springs Bank & Trust Company transfer to other banks?

Does Hot Springs Bank & Trust Company have quick pay?

Does Hot Springs Bank & Trust Company accept rolled coins?

Will Hot Springs Bank & Trust Company accept loose change?

Where is Hot Springs Bank & Trust Company headquarters?

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