Hull State Bank

Headquarters

100 Walnut Ln
Hull, TX 77564
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. 2.25% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Hull State Bank is an FDIC insured institution located in Hull, TX. It was founded in 1919 and has approximately $0.05 billion in assets.

FDIC Insured Yes
FDIC Certificate # 11141
Date Established 1919
Assets $ 46.06 million
Loans $ 15.40 million
Deposits $ 41.51 million
Capital $ 4.53 million
 

For a more detailed analysis of Hull State Bank'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 Hull State Bank

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

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AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,128 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

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Third Federal Savings and Loans
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2.990 %
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People's United Bank, N.A.
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4.000 %
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Note to Hull State Bank
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Branches

Hull 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:
Fairfield,Connecticut


Hull State Bank Locations


Financial Details

Hull State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Hull 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
Hull State Bank U.S. Bank Average
0.13% 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, Hull State Bank had $6,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $4,530,000 in equity and $236,000 in loans loss reserves. That gives it a Texas Ratio of 0.13%.

Return on Equity
Hull State Bank U.S. Bank Average
-4.31% 7.80%

Hull State Bank has a Return on Equity of -4.31% 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
Hull State Bank U.S. Bank Average
9.83% 12.68%

Hull State Bank has a Capitalization of 9.83% 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.

Hull State Bank Balance Sheet Analysis

As of December 31, 2013, Hull State Bank had assets of $46,064,000, loans of $15,400,000, and deposits of $41,510,000. 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 $ 15.40 million
Loan loss allowance $ 0.24 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 $ 41.51 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 $ 46.06 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 Hull State Bank’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Texas, Hull State Bank has a significantly higher percent of Small Business Loans, Commercial and Industrial 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 6.73
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 5.02
Small Business Loans 26.75
Construction and Development Loans 0.00
Commercial Real Estate 26.76
Commercial and Industrial Loans 27.99
Farm Loans 16.02

Frequently Asked Questions About Hull State Bank

Branches and Savings

Is Hull State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #11141.

Why does Hull 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 Hull State Bank CD rates not competitive?

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

Is Hull State Bank a commercial bank?

Yes

Where are Hull State Bank locations?

See branch locations nearby.

Is Hull State Bank open on Saturdays?

Is Hull State Bank open on Sundays?

What time does Hull State Bank open?

What time does Hull State Bank close?

Are Hull State Bank ATMs Open 24/7?

Do Hull State Bank ATMs accept cash deposits?

Can Hull State Bank customers use other ATMs?

Do Hull State Bank branches have notaries?

Will Hull State Bank notarize my document?

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

Will the Hull State Bank branch print checks?

Do Hull State Bank checks expire?

Does Hull State Bank require US citizenship to open account?

Can Hull State Bank close my account?

Does Hull State Bank Report to credit bureaus?

Does Hull State Bank Use Equifax?

What is Hull State Bank's ACH Routing Number?

What is Hull State Bank's SWIFT code?

Products

Does Hull State Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Hull State Bank offer personal loans?

Compare personal loan rates here.

Does Hull State Bank offer student loans?

Will Hull State Bank cash a check?

Will Hull State Bank redeem a savings bond?

Does Hull State Bank cash savings bonds?

Will Hull State Bank cash money orders?

Can Hull State Bank issue a money order?

Does Hull State Bank do currency exchange?

Background on The Bank

Who owns Hull State Bank?

How long has Hull State Bank been around?

Can Hull State Bank transfer to other banks?

Does Hull State Bank have quick pay?

Does Hull State Bank accept rolled coins?

Will Hull State Bank accept loose change?

Where is Hull State Bank headquarters?

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