Inez Deposit Bank

41 West Main Street
Inez, KY 41224


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 9307
Date Established 1904
Assets $0.14 billion
Loans $0.05 billion
Deposits $0.13 billion
Capital $0.02 billion

Inez Deposit Bank is an FDIC insured institution located in Inez, KY. It was founded in 1904 and has approximately $0.14 billion in assets. Customers can open an account at one of its 4 branches.

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

Deposit Rates - August 20, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $2,500 $9,999 Learn MoreShow Less
Money Market
0.10% $10,000 $49,999 Learn MoreShow Less
3 Mo CD
0.15% $1,000 - Learn MoreShow Less
6 Mo CD
0.25% $1,000 - Learn MoreShow Less
12 Mo CD
0.35% $1,000 - Learn MoreShow Less
Special: 15 Mo CD
2.15% $5,000 - Learn MoreShow Less
18 Mo CD
0.50% $1,000 - Learn MoreShow Less
24 Mo CD
0.60% $1,000 - Learn MoreShow Less
30 Mo CD
0.70% $1,000 - Learn MoreShow Less
Special: 35 Mo CD
2.36% $5,000 - Learn MoreShow Less
36 Mo CD
0.70% $1,000 - Learn MoreShow Less
48 Mo CD
1.01% $1,000 - Learn MoreShow Less
60 Mo CD
1.26% $1,000 - Learn MoreShow Less

Fixed IRA
0.70% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.15% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.02% $1 $2,499 Learn MoreShow Less
Int Ckg
0.03% $2,500 $9,999 Learn MoreShow Less

Loan Rates - August 20, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Inez Deposit 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
Learn More
NMLS ID: 2890
License#: MC-3098
3.518% 3.500% 0.25 $545 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to Inez Deposit Bank
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Inez Deposit Bank Locations

Financial Details

Inez Deposit Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Inez Deposit Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Inez Deposit Bank U.S. Bank Average
10.8% 6.94%

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 March 31, 2019, Inez Deposit Bank had $1,566,000 in non-current loans and $454,000 in owned real estate. To cover these potential losses it had $18,023,000 in equity and $676,000 in loans loss reserves. That gives it a Texas Ratio of 10.8%.

Return on Equity
Inez Deposit Bank U.S. Bank Average
3.72% 9.47%

Inez Deposit Bank has a Return on Equity of 3.72% versus the BestCashCow average of 9.47%. 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.

Inez Deposit Bank U.S. Bank Average
12.56% 12.49%

Inez Deposit Bank has a Capitalization of 12.56% versus the BestCashCow average of 12.49. 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.

Inez Deposit Bank Balance Sheet Analysis

As of March 31, 2019, Inez Deposit Bank had assets of $143,466,000, loans of $51,673,000, and deposits of $125,344,000. 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, 2019
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.02 billion
Total securities $0.07 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.05 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 $0.00 billion
     Total Assets $0.13 billion
Total deposits $0.13 billion
      Interest-bearing deposits $0.10 billion
      Deposits held in domestic offices $0.13 billion
      % insured (estimated) 85.58%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.13 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

March 31, 2019
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

Bank Loan Profile?

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

Compared to other banks in Kentucky, Inez Deposit Bank has a significantly higher percent of 1-4 Family Residential Loans, Credit Card 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 70.03
Credit Card Loans 0.58
Consumer Auto Loans 2.20
Small Business Loans 0.00
Construction and Development Loans 4.24
Commercial Real Estate 11.75
Commercial and Industrial Loans 6.74
Farm Loans 0.00

Frequently Asked Questions About Inez Deposit Bank

Branches and Savings

Is Inez Deposit Bank FDIC insured?

Yes. It is covered under FDIC Certificate #9307.

Why does Inez Deposit Bank pay such low interest on savings accounts?

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

Why are Inez Deposit Bank CD rates not competitive?

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

Is Inez Deposit Bank a commercial bank?


Where are Inez Deposit Bank locations?

See branch locations nearby.

Is Inez Deposit Bank open on Saturdays?

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Are Inez Deposit Bank ATMs Open 24/7?

Do Inez Deposit Bank ATMs accept cash deposits?

Can Inez Deposit Bank customers use other ATMs?

Do Inez Deposit Bank branches have notaries?

Will Inez Deposit Bank notarize my document?

What address for Inez Deposit Bank should I put for incoming ACH transfers?

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Do Inez Deposit Bank checks expire?

Does Inez Deposit Bank require US citizenship to open account?

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Does Inez Deposit Bank Report to credit bureaus?

Does Inez Deposit Bank Use Equifax?

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Does Inez Deposit Bank offer mortgages?

Compare mortgage rates here.

Does Inez Deposit Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Inez Deposit Bank offer personal loans?

Compare personal loan rates here.

Does Inez Deposit Bank offer student loans?

Will Inez Deposit Bank cash a check?

Will Inez Deposit Bank redeem a savings bond?

Does Inez Deposit Bank cash savings bonds?

Will Inez Deposit Bank cash money orders?

Can Inez Deposit Bank issue a money order?

Does Inez Deposit Bank do currency exchange?

Background on The Bank

Who owns Inez Deposit Bank?

How long has Inez Deposit Bank been around?

Can Inez Deposit Bank transfer to other banks?

Does Inez Deposit Bank have quick pay?

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Will Inez Deposit Bank accept loose change?

Where is Inez Deposit Bank headquarters?

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