Louisa Community Bank

4393 Highway 2565
Louisa, KY 41230

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58112
Date Established 2006
Assets $0.03 billion
Loans $0.02 billion
Deposits $0.03 billion
Capital $0.00 billion

Louisa Community Bank is an FDIC insured institution located in Louisa, KY. It was founded in 2006 and has approximately $0.03 billion in assets.

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

Deposit Rates - August 21, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.30% $2,500 $9,999 Learn MoreShow Less
Money Market
0.35% $10,000 $24,999 Learn MoreShow Less
Money Market
0.40% $25,000 $99,999 Learn MoreShow Less
CD Rates APY MIN MAX
6 Mo CD
0.76% $500 - Learn MoreShow Less
Special: 6 Mo CD
1.10% $2,500 - Learn MoreShow Less
12 Mo CD
1.25% $500 - Learn MoreShow Less
18 Mo CD
1.40% $500 - Learn MoreShow Less
24 Mo CD
1.50% $500 - Learn MoreShow Less
36 Mo CD
1.60% $500 - Learn MoreShow Less
48 Mo CD
1.90% $500 - Learn MoreShow Less
60 Mo CD
2.20% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.25% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1,500 - Learn MoreShow Less

Loan Rates - August 21, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Louisa 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 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
NASB
NMLS ID: 400039
3.750% 3.750% 0.00 $0 $1,158 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.527% 3.500% 0.38 $852 $1,123 Learn More
First Internet Bank
NMLS ID: 424182
3.656% 3.625% 0.38 $962 $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
4.625% 4.625% 0.00 $0 $1,286 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Louisa Community Bank
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Branches

Louisa 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


Louisa Community Bank Locations


Financial Details

Louisa Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Louisa 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
Louisa Community Bank U.S. Bank Average
145.42% 6.94%

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 March 31, 2019, Louisa Community Bank had $3,233,000 in non-current loans and $577,000 in owned real estate. To cover these potential losses it had $2,255,000 in equity and $365,000 in loans loss reserves. That gives it a Texas Ratio of 145.42%.

Return on Equity
Louisa Community Bank U.S. Bank Average
-51.79% 9.47%

Louisa Community Bank has a Return on Equity of -51.79% versus the BestCashCow average of 9.47%. 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
Louisa Community Bank U.S. Bank Average
7.17% 12.49%

Louisa Community Bank has a Capitalization of 7.17% versus the BestCashCow average of 12.49. 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.

Louisa Community Bank Balance Sheet Analysis

As of March 31, 2019, Louisa Community Bank had assets of $31,444,000, loans of $21,871,000, and deposits of $27,316,000. 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, 2019
ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 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) 90.34%
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

March 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 Louisa Community Bank’s loan portfolio are Commercial and Industrial Loans, 1-4 Family Residential Loans, and Commercial Real Estate.

Compared to other banks in Kentucky, Louisa Community Bank has a significantly higher percent of Multifamily Mortgages, Commercial and Industrial 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 26.30
Multifamily
Mortgages
8.54
Credit Card Loans 0.00
Consumer Auto Loans 0.89
Small Business Loans 0.00
Construction and Development Loans 5.04
Commercial Real Estate 20.28
Commercial and Industrial Loans 26.71
Farm Loans 0.00

Frequently Asked Questions About Louisa Community Bank

Branches and Savings

Is Louisa Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58112.

Why does Louisa 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 Louisa Community Bank CD rates not competitive?

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

Is Louisa Community Bank a commercial bank?

Yes

Where are Louisa Community Bank locations?

See branch locations nearby.

Is Louisa Community Bank open on Saturdays?

Is Louisa Community Bank open on Sundays?

What time does Louisa Community Bank open?

What time does Louisa Community Bank close?

Are Louisa Community Bank ATMs Open 24/7?

Do Louisa Community Bank ATMs accept cash deposits?

Can Louisa Community Bank customers use other ATMs?

Do Louisa Community Bank branches have notaries?

Will Louisa Community Bank notarize my document?

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

Will the Louisa Community Bank branch print checks?

Do Louisa Community Bank checks expire?

Does Louisa Community Bank require US citizenship to open account?

Can Louisa Community Bank close my account?

Does Louisa Community Bank Report to credit bureaus?

Does Louisa Community Bank Use Equifax?

What is Louisa Community Bank's ACH Routing Number?

What is Louisa Community Bank's SWIFT code?

Products

Does Louisa Community Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Louisa Community Bank offer personal loans?

Compare personal loan rates here.

Does Louisa Community Bank offer student loans?

Will Louisa Community Bank cash a check?

Will Louisa Community Bank redeem a savings bond?

Does Louisa Community Bank cash savings bonds?

Will Louisa Community Bank cash money orders?

Can Louisa Community Bank issue a money order?

Does Louisa Community Bank do currency exchange?

Background on The Bank

Who owns Louisa Community Bank?

How long has Louisa Community Bank been around?

Can Louisa Community Bank transfer to other banks?

Does Louisa Community Bank have quick pay?

Does Louisa Community Bank accept rolled coins?

Will Louisa Community Bank accept loose change?

Where is Louisa Community Bank headquarters?

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