Lewisburg Banking Company

Headquarters

287 North Main St
Lewisburg, KY 42256
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 0.91% →
1-Year CD 0.30% 1.01% →
2-Year CD 0.55% 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

Lewisburg Banking Company is an FDIC insured institution located in Lewisburg, KY. It was founded in 1894 and has approximately $0.14 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 297
Date Established 1894
Assets $ 137.73 million
Loans $ 84.38 million
Deposits $ 107.20 million
Capital $ 14.46 million
 

For a more detailed analysis of Lewisburg Banking Company'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

Savings and Money Market Rates APY MIN MAX
Savings
0.15% $1 - Learn More
Money Market
0.15% $2,500 - Learn More
CD Rates APY MIN MAX
3 Mo CD
0.10% $1,000 - Learn More
6 Mo CD
0.20% $1,000 - Learn More
12 Mo CD
0.30% $1,000 - Learn More
18 Mo CD
0.40% $1,000 - Learn More
24 Mo CD
0.55% $1,000 - Learn More
36 Mo CD
0.60% $1,000 - Learn More
48 Mo CD
0.90% $1,000 - Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.15% $2,500 - Learn MoreShow Less

Loan Rates - October 31, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Lewisburg Banking Company

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
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.558% 2.500% 0.75 $1,908 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 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 Lewisburg Banking Company
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Branches

Lewisburg Banking Company 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


Lewisburg Banking Company Locations


Financial Details

Lewisburg Banking Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Lewisburg Banking Company. 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
Lewisburg Banking Company U.S. Bank Average
9.12% 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, Lewisburg Banking Company had $1,426,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $14,463,000 in equity and $1,167,000 in loans loss reserves. That gives it a Texas Ratio of 9.12%.

Return on Equity
Lewisburg Banking Company U.S. Bank Average
14.48% 7.80%

Lewisburg Banking Company has a Return on Equity of 14.48% 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
Lewisburg Banking Company U.S. Bank Average
10.5% 12.68%

Lewisburg Banking Company has a Capitalization of 10.5% 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.

Lewisburg Banking Company Balance Sheet Analysis

As of March 31, 2020, Lewisburg Banking Company had assets of $137,730,000, loans of $84,382,000, and deposits of $107,204,000. 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 $ 8.40 million
Interest-bearing balances $ 4.33 million
Total securities $ 34.80 million
Federal funds sold and reverse repurchase $ 5.78 million
Net loans and leases $ 84.38 million
Loan loss allowance $ 1.17 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.04 million
All other assets $ 2.16 million
     Total Assets $ 123.27 million
LIABILITIES
Total deposits $ 107.20 million
      Interest-bearing deposits $ 80.34 million
      Deposits held in domestic offices $ 107.20 million
      % insured (estimated) 90.61%
Federal funds purchased and repurchase agreements $ 15.89 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.17 million
      Total Liabilities $ 123.27 million
      Shareholders’ Equity $ 14.46 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 1.47 million
Total Interest Expense $ 0.15 million
Net interest income $ 1.31 million
Provision for loan and lease losses $ 0.02 million
Total non interest income $ 0.20 million
Total non interest expense $ 0.96 million
Pre-tax Net Operating Income $ 0.52 million

Bank Loan Profile?

The top three loan types in Lewisburg Banking Company’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Kentucky, Lewisburg Banking Company has a significantly higher percent of Farm 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 43.71
Multifamily
Mortgages
3.01
Credit Card Loans 0.00
Consumer Auto Loans 4.05
Small Business Loans 0.00
Construction and Development Loans 4.66
Commercial Real Estate 11.16
Commercial and Industrial Loans 11.14
Farm Loans 7.15

Frequently Asked Questions About Lewisburg Banking Company

Branches and Savings

Is Lewisburg Banking Company FDIC insured?

Yes. It is covered under FDIC Certificate #297.

Why does Lewisburg Banking Company pay such low interest on savings accounts?

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

Why are Lewisburg Banking Company CD rates not competitive?

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

Is Lewisburg Banking Company a commercial bank?

Yes

Where are Lewisburg Banking Company locations?

See branch locations nearby.

Is Lewisburg Banking Company open on Saturdays?

Is Lewisburg Banking Company open on Sundays?

What time does Lewisburg Banking Company open?

What time does Lewisburg Banking Company close?

Are Lewisburg Banking Company ATMs Open 24/7?

Do Lewisburg Banking Company ATMs accept cash deposits?

Can Lewisburg Banking Company customers use other ATMs?

Do Lewisburg Banking Company branches have notaries?

Will Lewisburg Banking Company notarize my document?

What address for Lewisburg Banking Company should I put for incoming ACH transfers?

Will the Lewisburg Banking Company branch print checks?

Do Lewisburg Banking Company checks expire?

Does Lewisburg Banking Company require US citizenship to open account?

Can Lewisburg Banking Company close my account?

Does Lewisburg Banking Company Report to credit bureaus?

Does Lewisburg Banking Company Use Equifax?

What is Lewisburg Banking Company's ACH Routing Number?

What is Lewisburg Banking Company's SWIFT code?

Products

Does Lewisburg Banking Company offer mortgages?

Compare mortgage rates here.

Does Lewisburg Banking Company offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Lewisburg Banking Company offer personal loans?

Compare personal loan rates here.

Does Lewisburg Banking Company offer student loans?

Will Lewisburg Banking Company cash a check?

Will Lewisburg Banking Company redeem a savings bond?

Does Lewisburg Banking Company cash savings bonds?

Will Lewisburg Banking Company cash money orders?

Can Lewisburg Banking Company issue a money order?

Does Lewisburg Banking Company do currency exchange?

Background on The Bank

Who owns Lewisburg Banking Company?

How long has Lewisburg Banking Company been around?

Can Lewisburg Banking Company transfer to other banks?

Does Lewisburg Banking Company have quick pay?

Does Lewisburg Banking Company accept rolled coins?

Will Lewisburg Banking Company accept loose change?

Where is Lewisburg Banking Company headquarters?

Customer Reviews for Lewisburg Banking Company


  • June 07, 2018 |

    CDs 12 Month Rates

    Friendly people; good place to do business.

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