La Monte Community Bank

201 East Front Street
La Monte, MO 65337

Notable Rates APY Vs.Others
Savings 0.15% 1.90% →
1-Year CD 1.40% 1.90% →
2-Year CD N.A. 1.95% →
5-Year CD N.A. 2.00% →
30-Year Mortgage N.A. 3.14% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.50% →

2020 Overview

General Bank Information

La Monte Community Bank is an FDIC insured institution located in La Monte, MO. It was founded in 1946 and has approximately $0.03 billion in assets.

FDIC Insured Yes
FDIC Certificate # 16423
Date Established 1946
Assets $0.03 billion
Loans $0.02 billion
Deposits $0.03 billion
Capital $0.00 billion
 

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

Deposit Rates - April 7, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
1.10% $2,500 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.10% $1,000 - Learn MoreShow Less
6 Mo CD
0.15% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.40% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1,500 - Learn MoreShow Less

Loan Rates - April 7, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for La Monte Community 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
4.542% 4.500% 0.00 $1,250 $1,267 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to La Monte Community Bank
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Branches

La Monte Community 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


La Monte Community Bank Locations


Financial Details

La Monte Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of La Monte Community 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
La Monte Community Bank U.S. Bank Average
0% 6.51%

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 December 31, 2019, La Monte Community Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $3,486,000 in equity and $217,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
La Monte Community Bank U.S. Bank Average
5.46% 9.41%

La Monte Community Bank has a Return on Equity of 5.46% versus the BestCashCow average of 9.41%. 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
La Monte Community Bank U.S. Bank Average
11.44% 12.82%

La Monte Community Bank has a Capitalization of 11.44% versus the BestCashCow average of 12.82. 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.

La Monte Community Bank Balance Sheet Analysis

As of December 31, 2019, La Monte Community Bank had assets of $30,467,000, loans of $22,006,000, and deposits of $26,936,000. 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, 2019
ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.02 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 $0.03 billion
LIABILITIES
Total deposits $0.03 billion
      Interest-bearing deposits $0.02 billion
      Deposits held in domestic offices $0.03 billion
      % insured (estimated) 87.56%
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 $0.03 billion
      Shareholders’ Equity $0.00 billion

Summary Income Statement

December 31, 2019
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

Bank Loan Profile?

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

Compared to other banks, La Monte Community 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 24.41
Multifamily
Mortgages
0.20
Credit Card Loans 0.00
Consumer Auto Loans 1.18
Small Business Loans 5.58
Construction and Development Loans 0.61
Commercial Real Estate 5.58
Commercial and Industrial Loans 4.68
Farm Loans 7.51

Frequently Asked Questions About La Monte Community Bank

Branches and Savings

Is La Monte Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #16423.

Why does La Monte Community Bank pay such low interest on savings accounts?

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

Why are La Monte Community Bank CD rates not competitive?

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

Is La Monte Community Bank a commercial bank?

Yes

Where are La Monte Community Bank locations?

See branch locations nearby.

Is La Monte Community Bank open on Saturdays?

Is La Monte Community Bank open on Sundays?

What time does La Monte Community Bank open?

What time does La Monte Community Bank close?

Are La Monte Community Bank ATMs Open 24/7?

Do La Monte Community Bank ATMs accept cash deposits?

Can La Monte Community Bank customers use other ATMs?

Do La Monte Community Bank branches have notaries?

Will La Monte Community Bank notarize my document?

What address for La Monte Community Bank should I put for incoming ACH transfers?

Will the La Monte Community Bank branch print checks?

Do La Monte Community Bank checks expire?

Does La Monte Community Bank require US citizenship to open account?

Can La Monte Community Bank close my account?

Does La Monte Community Bank Report to credit bureaus?

Does La Monte Community Bank Use Equifax?

What is La Monte Community Bank's ACH Routing Number?

What is La Monte Community Bank's SWIFT code?

Products

Does La Monte Community Bank offer mortgages?

Compare mortgage rates here.

Does La Monte Community Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does La Monte Community Bank offer personal loans?

Compare personal loan rates here.

Does La Monte Community Bank offer student loans?

Will La Monte Community Bank cash a check?

Will La Monte Community Bank redeem a savings bond?

Does La Monte Community Bank cash savings bonds?

Will La Monte Community Bank cash money orders?

Can La Monte Community Bank issue a money order?

Does La Monte Community Bank do currency exchange?

Background on The Bank

Who owns La Monte Community Bank?

How long has La Monte Community Bank been around?

Can La Monte Community Bank transfer to other banks?

Does La Monte Community Bank have quick pay?

Does La Monte Community Bank accept rolled coins?

Will La Monte Community Bank accept loose change?

Where is La Monte Community Bank headquarters?

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