Kahoka State Bank

Headquarters

201 West Commercial Street
Kahoka, MO 63445
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.20% 0.95% →
1-Year CD 0.75% 1.01% →
2-Year CD 0.90% 0.95% →
5-Year CD 1.77% 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

Kahoka State Bank is an FDIC insured institution located in Kahoka, MO. It was founded in 1968 and has approximately $0.05 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 19774
Date Established 1968
Assets $ 54.79 million
Loans $ 31.41 million
Deposits $ 48.97 million
Capital $ 5.68 million
 

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

Deposit Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.20% $2,500 $4,999 Learn More
Money Market
0.25% $2,500 $2,999 Learn More
Money Market
0.25% $10,000 $14,999 Learn More
Money Market
0.35% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.25% $10,000 $14,999 Learn More
3 Mo CD
0.25% $100,000 $199,999 Learn More
6 Mo CD
0.40% $10,000 $14,999 Learn More
6 Mo CD
0.45% $100,000 $199,999 Learn More
12 Mo CD
0.60% $10,000 $14,999 Learn More
12 Mo CD
0.75% $100,000 $199,999 Learn More
24 Mo CD
0.80% $10,000 $14,999 Learn More
24 Mo CD
0.90% $100,000 $199,999 Learn More
36 Mo CD
1.01% $10,000 $14,999 Learn More
36 Mo CD
1.11% $100,000 $199,999 Learn More
48 Mo CD
1.36% $10,000 $14,999 Learn More
48 Mo CD
1.36% $100,000 $199,999 Learn More
60 Mo CD
1.77% $10,000 $14,999 Learn More
60 Mo CD
1.77% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Kahoka 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
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.570% 2.500% 0.88 $2,312 $988 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.
See Table
4.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to Kahoka State Bank
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Branches

Kahoka 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


Kahoka State Bank Locations


Financial Details

Kahoka State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Kahoka 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
Kahoka State Bank U.S. Bank Average
0.75% 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, Kahoka State Bank had $47,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $5,677,000 in equity and $557,000 in loans loss reserves. That gives it a Texas Ratio of 0.75%.

Return on Equity
Kahoka State Bank U.S. Bank Average
5.46% 7.80%

Kahoka State Bank has a Return on Equity of 5.46% 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
Kahoka State Bank U.S. Bank Average
10.36% 12.68%

Kahoka State Bank has a Capitalization of 10.36% 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.

Kahoka State Bank Balance Sheet Analysis

As of March 31, 2020, Kahoka State Bank had assets of $54,789,000, loans of $31,409,000, and deposits of $48,972,000. 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 $ 4.52 million
Interest-bearing balances $ 1.31 million
Total securities $ 15.29 million
Federal funds sold and reverse repurchase $ 1.66 million
Net loans and leases $ 31.41 million
Loan loss allowance $ 0.56 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 $ 1.12 million
     Total Assets $ 49.11 million
LIABILITIES
Total deposits $ 48.97 million
      Interest-bearing deposits $ 45.59 million
      Deposits held in domestic offices $ 48.97 million
      % insured (estimated) 97.68%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.14 million
      Total Liabilities $ 49.11 million
      Shareholders’ Equity $ 5.68 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.54 million
Total Interest Expense $ 0.14 million
Net interest income $ 0.40 million
Provision for loan and lease losses $ 0.01 million
Total non interest income $ 0.05 million
Total non interest expense $ 0.35 million
Pre-tax Net Operating Income $ 0.09 million

Bank Loan Profile?

The top three loan types in Kahoka State Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Farm Loans.

Compared to other banks, Kahoka State Bank’s loan portfolio does not show any specific loan specialty.

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 46.71
Multifamily
Mortgages
0.74
Credit Card Loans 0.00
Consumer Auto Loans 5.68
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 12.30
Commercial and Industrial Loans 6.60
Farm Loans 9.05

Frequently Asked Questions About Kahoka State Bank

Branches and Savings

Is Kahoka State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #19774.

Why does Kahoka 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 Kahoka State Bank CD rates not competitive?

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

Is Kahoka State Bank a commercial bank?

Yes

Where are Kahoka State Bank locations?

See branch locations nearby.

Is Kahoka State Bank open on Saturdays?

Is Kahoka State Bank open on Sundays?

What time does Kahoka State Bank open?

What time does Kahoka State Bank close?

Are Kahoka State Bank ATMs Open 24/7?

Do Kahoka State Bank ATMs accept cash deposits?

Can Kahoka State Bank customers use other ATMs?

Do Kahoka State Bank branches have notaries?

Will Kahoka State Bank notarize my document?

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

Will the Kahoka State Bank branch print checks?

Do Kahoka State Bank checks expire?

Does Kahoka State Bank require US citizenship to open account?

Can Kahoka State Bank close my account?

Does Kahoka State Bank Report to credit bureaus?

Does Kahoka State Bank Use Equifax?

What is Kahoka State Bank's ACH Routing Number?

What is Kahoka State Bank's SWIFT code?

Products

Does Kahoka State Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Kahoka State Bank offer personal loans?

Compare personal loan rates here.

Does Kahoka State Bank offer student loans?

Will Kahoka State Bank cash a check?

Will Kahoka State Bank redeem a savings bond?

Does Kahoka State Bank cash savings bonds?

Will Kahoka State Bank cash money orders?

Can Kahoka State Bank issue a money order?

Does Kahoka State Bank do currency exchange?

Background on The Bank

Who owns Kahoka State Bank?

How long has Kahoka State Bank been around?

Can Kahoka State Bank transfer to other banks?

Does Kahoka State Bank have quick pay?

Does Kahoka State Bank accept rolled coins?

Will Kahoka State Bank accept loose change?

Where is Kahoka State Bank headquarters?

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