Industrial State Bank

Headquarters

3201 Strong Avenue
Kansas City, KS 66106
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

Industrial State Bank is an FDIC insured institution located in Kansas City, KS. It was founded in 1959 and has approximately $0.14 billion in assets.

FDIC Insured Yes
FDIC Certificate # 18072
Date Established 1959
Assets $ 138.06 million
Loans $ 78.61 million
Deposits $ 100.98 million
Capital $ 38.09 million
 

For a more detailed analysis of Industrial State Bank'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: Connecticut, CT 06828


Loan Rates - September 28, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Industrial 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

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
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 - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
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4.000 %
$0 Learn More
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Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
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Note to Industrial State Bank
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Branches

Industrial 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


Industrial State Bank Locations


Financial Details

Industrial State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Industrial 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
Industrial State Bank U.S. Bank Average
2.7% 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, Industrial State Bank had $515,000 in non-current loans and $543,000 in owned real estate. To cover these potential losses it had $38,092,000 in equity and $1,154,000 in loans loss reserves. That gives it a Texas Ratio of 2.7%.

Return on Equity
Industrial State Bank U.S. Bank Average
3.97% 7.80%

Industrial State Bank has a Return on Equity of 3.97% 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
Industrial State Bank U.S. Bank Average
27.59% 12.68%

Industrial State Bank has a Capitalization of 27.59% 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.

Industrial State Bank Balance Sheet Analysis

As of December 31, 2016, Industrial State Bank had assets of $139,293,000, loans of $78,610,000, and deposits of $100,975,000. 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 $ 78.61 million
Loan loss allowance $ 1.15 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.54 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 100.98 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 $ 138.06 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 Industrial State Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Small Business Loans.

Compared to other banks in Kansas, Industrial State Bank has a significantly higher percent of Multifamily Mortgages, Small Business Loans, Construction and Development Loans, Commercial Real Estate 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 4.97
Multifamily
Mortgages
5.36
Credit Card Loans 0.00
Consumer Auto Loans 2.08
Small Business Loans 14.72
Construction and Development Loans 10.64
Commercial Real Estate 56.10
Commercial and Industrial Loans 18.10
Farm Loans 0.00

Frequently Asked Questions About Industrial State Bank

Branches and Savings

Is Industrial State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #18072.

Why does Industrial 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 Industrial State Bank CD rates not competitive?

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

Is Industrial State Bank a commercial bank?

Yes

Where are Industrial State Bank locations?

See branch locations nearby.

Is Industrial State Bank open on Saturdays?

Is Industrial State Bank open on Sundays?

What time does Industrial State Bank open?

What time does Industrial State Bank close?

Are Industrial State Bank ATMs Open 24/7?

Do Industrial State Bank ATMs accept cash deposits?

Can Industrial State Bank customers use other ATMs?

Do Industrial State Bank branches have notaries?

Will Industrial State Bank notarize my document?

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

Will the Industrial State Bank branch print checks?

Do Industrial State Bank checks expire?

Does Industrial State Bank require US citizenship to open account?

Can Industrial State Bank close my account?

Does Industrial State Bank Report to credit bureaus?

Does Industrial State Bank Use Equifax?

What is Industrial State Bank's ACH Routing Number?

What is Industrial State Bank's SWIFT code?

Products

Does Industrial State Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Industrial State Bank offer personal loans?

Compare personal loan rates here.

Does Industrial State Bank offer student loans?

Will Industrial State Bank cash a check?

Will Industrial State Bank redeem a savings bond?

Does Industrial State Bank cash savings bonds?

Will Industrial State Bank cash money orders?

Can Industrial State Bank issue a money order?

Does Industrial State Bank do currency exchange?

Background on The Bank

Who owns Industrial State Bank?

How long has Industrial State Bank been around?

Can Industrial State Bank transfer to other banks?

Does Industrial State Bank have quick pay?

Does Industrial State Bank accept rolled coins?

Will Industrial State Bank accept loose change?

Where is Industrial State Bank headquarters?

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