Keystone Savings Bank

330 Western Avenue
Marengo, IA 52301

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 17993
Date Established 1935
Assets $0.14 billion
Loans $0.09 billion
Deposits $0.12 billion
Capital $0.01 billion

Keystone Savings Bank is an FDIC insured institution located in Marengo, IA. It was founded in 1935 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 Keystone Savings Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Keystone Savings Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks, Keystone Savings 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 35.01
Multifamily
Mortgages
0.36
Credit Card Loans 0.03
Consumer Auto Loans 3.95
Small Business Loans 11.74
Construction and Development Loans 2.67
Commercial Real Estate 15.22
Commercial and Industrial Loans 10.67
Farm Loans 10.61

Deposit Rates - June 26, 2019

Your Current Location: Washington, WA 98101

Savings and Money Market Rates APY MIN MAX
Money Market
0.25% $2,500 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
0.40% $2,500 $49,999 Learn MoreShow Less
3 Mo CD
0.60% $100,000 - Learn MoreShow Less
0.50% $2,500 $49,999 Learn MoreShow Less
6 Mo CD
0.70% $100,000 - Learn MoreShow Less
0.65% $500 $49,999 Learn MoreShow Less
12 Mo CD
0.85% $100,000 - Learn MoreShow Less
Special: 15 Mo CD
2.65% $500 $99,999 Learn MoreShow Less
Special: 15 Mo CD
2.25% $500 $99,999 Learn MoreShow Less
Special: 15 Mo CD
2.40% $100,000 - Learn MoreShow Less
Special: 15 Mo CD
2.80% $100,000 - Learn MoreShow Less
1.05% $500 $49,999 Learn MoreShow Less
18 Mo CD
1.25% $100,000 - Learn MoreShow Less
1.15% $500 $49,999 Learn MoreShow Less
24 Mo CD
1.35% $100,000 - Learn MoreShow Less
0.85% $500 $49,999 Learn MoreShow Less
1.25% $500 $49,999 Learn MoreShow Less
36 Mo CD
1.45% $100,000 - Learn MoreShow Less
Special: 43 Mo CD
2.80% $500 $249,999 Learn MoreShow Less
Special: 43 Mo CD
2.90% $250,000 - Learn MoreShow Less
1.45% $500 $49,999 Learn MoreShow Less
48 Mo CD
1.65% $100,000 - Learn MoreShow Less
1.70% $500 $49,999 Learn MoreShow Less
60 Mo CD
1.90% $100,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
0.65% $500 $49,999 Learn MoreShow Less
Special: 15 Mo FIRA
2.65% $500 $99,999 Learn MoreShow Less
Special: 15 Mo FIRA
2.25% $500 $99,999 Learn MoreShow Less
Special: 15 Mo FIRA
2.80% $100,000 - Learn MoreShow Less
Special: 15 Mo FIRA
2.40% $100,000 - Learn MoreShow Less
Special: 43 Mo FIRA
2.80% $500 $249,999 Learn MoreShow Less
Special: 43 Mo FIRA
2.90% $250,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.21% $1,000 $49,999 Learn MoreShow Less

Loan Rates - June 26, 2019

Your Current Location: Washington, WA 98101

There are currently no loan rates available for Keystone Savings Bank

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

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.500% 4.500% 0.00 $0 $1,267 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
5.490 %
N/A Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info

Note to Keystone Savings Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Keystone Savings 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:
Seattle,Washington


Keystone Savings Bank Locations


Financial Details

Keystone Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Keystone Savings 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
Keystone Savings Bank U.S. Bank Average
1.79% 6.97%

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 December 31, 2018, Keystone Savings Bank had $187,000 in non-current loans and $74,000 in owned real estate. To cover these potential losses it had $14,005,000 in equity and $550,000 in loans loss reserves. That gives it a Texas Ratio of 1.79%.

Return on Equity
Keystone Savings Bank U.S. Bank Average
10.73% 8.80%

Keystone Savings Bank has a Return on Equity of 10.73% versus the BestCashCow average of 8.80%. 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
Keystone Savings Bank U.S. Bank Average
9.88% 12.29%

Keystone Savings Bank has a Capitalization of 9.88% versus the BestCashCow average of 12.29. 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.

Keystone Savings Bank Balance Sheet Analysis

As of December 31, 2018, Keystone Savings Bank had assets of $141,752,000, loans of $91,611,000, and deposits of $121,387,000. 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

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.03 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.09 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
LIABILITIES
Total deposits $0.12 billion
      Interest-bearing deposits $0.09 billion
      Deposits held in domestic offices $0.12 billion
      % insured (estimated) 81.50%
Federal funds purchased and repurchase agreements $0.01 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 $0.01 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
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

Frequently Asked Questions About Keystone Savings Bank

Branches and Savings

Is Keystone Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #17993.

Why does Keystone Savings Bank pay such low interest on savings accounts?

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

Why are Keystone Savings Bank CD rates not competitive?

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

Is Keystone Savings Bank a commercial bank?

Yes

Where are Keystone Savings Bank locations?

See branch locations nearby.

Is Keystone Savings Bank open on Saturdays?

Is Keystone Savings Bank open on Sundays?

What time does Keystone Savings Bank open?

What time does Keystone Savings Bank close?

Are Keystone Savings Bank ATMs Open 24/7?

Do Keystone Savings Bank ATMs accept cash deposits?

Can Keystone Savings Bank customers use other ATMs?

Do Keystone Savings Bank branches have notaries?

Will Keystone Savings Bank notarize my document?

What address for Keystone Savings Bank should I put for incoming ACH transfers?

Will the Keystone Savings Bank branch print checks?

Do Keystone Savings Bank checks expire?

Does Keystone Savings Bank require US citizenship to open account?

Can Keystone Savings Bank close my account?

Does Keystone Savings Bank Report to credit bureaus?

Does Keystone Savings Bank Use Equifax?

What is Keystone Savings Bank's ACH Routing Number?

What is Keystone Savings Bank's SWIFT code?

Products

Does Keystone Savings Bank offer mortgages?

Compare mortgage rates here.

Does Keystone Savings Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Keystone Savings Bank offer personal loans?

Compare personal loan rates here.

Does Keystone Savings Bank offer student loans?

Will Keystone Savings Bank cash a check?

Will Keystone Savings Bank redeem a savings bond?

Does Keystone Savings Bank cash savings bonds?

Will Keystone Savings Bank cash money orders?

Can Keystone Savings Bank issue a money order?

Does Keystone Savings Bank do currency exchange?

Background on The Bank

Who owns Keystone Savings Bank?

How long has Keystone Savings Bank been around?

Can Keystone Savings Bank transfer to other banks?

Does Keystone Savings Bank have quick pay?

Does Keystone Savings Bank accept rolled coins?

Will Keystone Savings Bank accept loose change?

Where is Keystone Savings Bank headquarters?

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