Layton State Bank

Headquarters

10427 West Lincoln Avenue
West Allis, WI 53227
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.91% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
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

Layton State Bank is an FDIC insured institution located in West Allis, WI. It was founded in 1920 and has approximately $0.12 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 6191
Date Established 1920
Assets $ 122.97 million
Loans $ 89.81 million
Deposits $ 107.58 million
Capital $ 12.54 million
 

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

Deposit Rates - October 31, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - October 31, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Layton State 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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.558% 2.500% 0.75 $1,908 $988 Learn More

Featured - Virginia 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
2.240 %
$0 Learn More
More Info

Note to Layton State Bank
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Branches

Layton 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:
Ashburn,Virginia


Layton State Bank Locations


Financial Details

Layton State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Layton 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
Layton State Bank U.S. Bank Average
19.93% 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, Layton State Bank had $60,000 in non-current loans and $2,637,000 in owned real estate. To cover these potential losses it had $12,537,000 in equity and $995,000 in loans loss reserves. That gives it a Texas Ratio of 19.93%.

Return on Equity
Layton State Bank U.S. Bank Average
-0.64% 7.80%

Layton State Bank has a Return on Equity of -0.64% 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
Layton State Bank U.S. Bank Average
10.2% 12.68%

Layton State Bank has a Capitalization of 10.2% 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.

Layton State Bank Balance Sheet Analysis

As of June 30, 2016, Layton State Bank had assets of $120,659,000, loans of $89,811,000, and deposits of $107,584,000. 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 N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 89.81 million
Loan loss allowance $ 1.00 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 2.64 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 107.58 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 122.97 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

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

Compared to other banks in Wisconsin, Layton State Bank has a significantly higher percent of Multifamily Mortgages, Small Business Loans, Commercial Real Estate 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 13.74
Multifamily
Mortgages
23.47
Credit Card Loans 0.16
Consumer Auto Loans 0.01
Small Business Loans 9.09
Construction and Development Loans 2.23
Commercial Real Estate 51.88
Commercial and Industrial Loans 9.58
Farm Loans 0.00

Frequently Asked Questions About Layton State Bank

Branches and Savings

Is Layton State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #6191.

Why does Layton 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 Layton State Bank CD rates not competitive?

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

Is Layton State Bank a commercial bank?

Yes

Where are Layton State Bank locations?

See branch locations nearby.

Is Layton State Bank open on Saturdays?

Is Layton State Bank open on Sundays?

What time does Layton State Bank open?

What time does Layton State Bank close?

Are Layton State Bank ATMs Open 24/7?

Do Layton State Bank ATMs accept cash deposits?

Can Layton State Bank customers use other ATMs?

Do Layton State Bank branches have notaries?

Will Layton State Bank notarize my document?

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

Will the Layton State Bank branch print checks?

Do Layton State Bank checks expire?

Does Layton State Bank require US citizenship to open account?

Can Layton State Bank close my account?

Does Layton State Bank Report to credit bureaus?

Does Layton State Bank Use Equifax?

What is Layton State Bank's ACH Routing Number?

What is Layton State Bank's SWIFT code?

Products

Does Layton State Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Layton State Bank offer personal loans?

Compare personal loan rates here.

Does Layton State Bank offer student loans?

Will Layton State Bank cash a check?

Will Layton State Bank redeem a savings bond?

Does Layton State Bank cash savings bonds?

Will Layton State Bank cash money orders?

Can Layton State Bank issue a money order?

Does Layton State Bank do currency exchange?

Background on The Bank

Who owns Layton State Bank?

How long has Layton State Bank been around?

Can Layton State Bank transfer to other banks?

Does Layton State Bank have quick pay?

Does Layton State Bank accept rolled coins?

Will Layton State Bank accept loose change?

Where is Layton State Bank headquarters?

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