Lawson Bank

Headquarters

401 North Pennsylvania Avenue
Lawson, MO 64062
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

Lawson Bank is an FDIC insured institution located in Lawson, MO. It was founded in 1883 and has approximately $0.12 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 11457
Date Established 1883
Assets $ 119.14 million
Loans $ 54.88 million
Deposits $ 111.27 million
Capital $ 12.72 million
 

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

Deposit Rates - September 23, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 23, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Lawson 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 $2,128 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Lawson Bank
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Branches

Lawson 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


Lawson Bank Locations


Financial Details

Lawson Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Lawson 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
Lawson Bank U.S. Bank Average
3.64% 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, Lawson Bank had $0 in non-current loans and $497,000 in owned real estate. To cover these potential losses it had $12,724,000 in equity and $939,000 in loans loss reserves. That gives it a Texas Ratio of 3.64%.

Return on Equity
Lawson Bank U.S. Bank Average
3.67% 7.80%

Lawson Bank has a Return on Equity of 3.67% 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
Lawson Bank U.S. Bank Average
10.68% 12.68%

Lawson Bank has a Capitalization of 10.68% 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.

Lawson Bank Balance Sheet Analysis

As of March 31, 2018, Lawson Bank had assets of $124,024,000, loans of $54,880,000, and deposits of $111,273,000. 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 $ 44.07 million
Interest-bearing balances $ 39.80 million
Total securities $ 12.58 million
Federal funds sold and reverse repurchase $ 5.16 million
Net loans and leases $ 54.88 million
Loan loss allowance $ 0.94 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.50 million
Goodwill and other intangibles N.A.
All other assets $ 3.97 million
     Total Assets $ 111.30 million
LIABILITIES
Total deposits $ 111.27 million
      Interest-bearing deposits $ 76.74 million
      Deposits held in domestic offices $ 111.27 million
      % insured (estimated) 77.95%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.03 million
      Total Liabilities $ 111.30 million
      Shareholders’ Equity $ 7.84 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.95 million
Total Interest Expense $ 0.04 million
Net interest income $ 0.91 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.18 million
Total non interest expense $ 0.81 million
Pre-tax Net Operating Income $ 0.28 million

Bank Loan Profile?

The top three loan types in Lawson Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.

Compared to other banks in Missouri, Lawson Bank has a significantly higher percent of Multifamily Mortgages, Construction and Development 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 25.03
Multifamily
Mortgages
7.26
Credit Card Loans 0.00
Consumer Auto Loans 0.81
Small Business Loans 0.00
Construction and Development Loans 20.38
Commercial Real Estate 30.09
Commercial and Industrial Loans 6.12
Farm Loans 2.67

Frequently Asked Questions About Lawson Bank

Branches and Savings

Is Lawson Bank FDIC insured?

Yes. It is covered under FDIC Certificate #11457.

Why does Lawson Bank pay such low interest on savings accounts?

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

Why are Lawson Bank CD rates not competitive?

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

Is Lawson Bank a commercial bank?

Yes

Where are Lawson Bank locations?

See branch locations nearby.

Is Lawson Bank open on Saturdays?

Is Lawson Bank open on Sundays?

What time does Lawson Bank open?

What time does Lawson Bank close?

Are Lawson Bank ATMs Open 24/7?

Do Lawson Bank ATMs accept cash deposits?

Can Lawson Bank customers use other ATMs?

Do Lawson Bank branches have notaries?

Will Lawson Bank notarize my document?

What address for Lawson Bank should I put for incoming ACH transfers?

Will the Lawson Bank branch print checks?

Do Lawson Bank checks expire?

Does Lawson Bank require US citizenship to open account?

Can Lawson Bank close my account?

Does Lawson Bank Report to credit bureaus?

Does Lawson Bank Use Equifax?

What is Lawson Bank's ACH Routing Number?

What is Lawson Bank's SWIFT code?

Products

Does Lawson Bank offer mortgages?

Compare mortgage rates here.

Does Lawson Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Lawson Bank offer personal loans?

Compare personal loan rates here.

Does Lawson Bank offer student loans?

Will Lawson Bank cash a check?

Will Lawson Bank redeem a savings bond?

Does Lawson Bank cash savings bonds?

Will Lawson Bank cash money orders?

Can Lawson Bank issue a money order?

Does Lawson Bank do currency exchange?

Background on The Bank

Who owns Lawson Bank?

How long has Lawson Bank been around?

Can Lawson Bank transfer to other banks?

Does Lawson Bank have quick pay?

Does Lawson Bank accept rolled coins?

Will Lawson Bank accept loose change?

Where is Lawson Bank headquarters?

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