Martinsburg Bank and Trust

400 South Muldrow
Mexico, MO 65265

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 8270
Date Established 1893
Assets $0.20 billion
Loans $0.12 billion
Deposits $0.16 billion
Capital $0.03 billion

Martinsburg Bank and Trust is an FDIC insured institution located in Mexico, MO. It was founded in 1893 and has approximately $0.2 billion in assets. Customers can open an account at one of its 9 branches.

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

Bank Loan Profile?

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

Compared to other banks in Missouri, Martinsburg Bank and Trust 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 21.43
Multifamily
Mortgages
0.55
Credit Card Loans 0.00
Consumer Auto Loans 0.32
Small Business Loans 6.68
Construction and Development Loans 4.51
Commercial Real Estate 14.14
Commercial and Industrial Loans 8.98
Farm Loans 17.81

Deposit Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Martinsburg Bank And Trust, but see these great savings and CD rates:

1.25% APY Online Savings Account from Ally Bank
1.60% APY 11 Month CD from Ally Bank

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Martinsburg Bank and Trust

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 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
vLoan
NMLS ID: 2229
License#: MC-5591
4.064% 4.000% 0.25 $1,938 $1,194 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Martinsburg Bank and Trust
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Branches

Martinsburg Bank and Trust 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


Martinsburg Bank and Trust Locations

Financial Details

Martinsburg Bank and Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Martinsburg Bank and Trust. 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
Martinsburg Bank and Trust U.S. Bank Average
0.26% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Martinsburg Bank and Trust had $76,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $26,708,000 in equity and $2,109,000 in loans loss reserves. That gives it a Texas Ratio of 0.26%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Martinsburg Bank and Trust U.S. Bank Average
9.46% 8.58

Martinsburg Bank and Trust has a Return on Equity of 9.46% versus the BestCashCow average of 8.58. 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
Martinsburg Bank and Trust U.S. Bank Average
13.5% 12.11

Martinsburg Bank and Trust has a Capitalization of 13.5% versus the BestCashCow average of 12.11. 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.

Martinsburg Bank and Trust Balance Sheet Analysis

As of June 30, 2017, Martinsburg Bank and Trust had assets of $197,782,000, loans of $121,639,000, and deposits of $155,158,000. 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.

Frequently Asked Questions About Martinsburg Bank and Trust

Branches and Savings

Is Martinsburg Bank and Trust FDIC insured?

Yes. It is covered under FDIC Certificate #8270.

Why does Martinsburg Bank and Trust pay such low interest on savings accounts?

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

Why are Martinsburg Bank and Trust CD rates not competitive?

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

Is Martinsburg Bank and Trust a commercial bank?

Yes

Where are Martinsburg Bank and Trust locations?

See branch locations nearby.

Is Martinsburg Bank and Trust open on Saturdays?

Is Martinsburg Bank and Trust open on Sundays?

What time does Martinsburg Bank and Trust open?

What time does Martinsburg Bank and Trust close?

Are Martinsburg Bank and Trust ATMs Open 24/7?

Do Martinsburg Bank and Trust ATMs accept cash deposits?

Can Martinsburg Bank and Trust customers use other ATMs?

Do Martinsburg Bank and Trust branches have notaries?

Will Martinsburg Bank and Trust notarize my document?

What address for Martinsburg Bank and Trust should I put for incoming ACH transfers?

Will the Martinsburg Bank and Trust branch print checks?

Do Martinsburg Bank and Trust checks expire?

Does Martinsburg Bank and Trust require US citizenship to open account?

Can Martinsburg Bank and Trust close my account?

Does Martinsburg Bank and Trust Report to credit bureaus?

Does Martinsburg Bank and Trust Use Equifax?

What is Martinsburg Bank and Trust's ACH Routing Number?

What is Martinsburg Bank and Trust's SWIFT code?

Products

Does Martinsburg Bank and Trust offer mortgages?

Compare mortgage rates here.

Does Martinsburg Bank and Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Martinsburg Bank and Trust offer personal loans?

Compare personal loan rates here.

Does Martinsburg Bank and Trust offer student loans?

Will Martinsburg Bank and Trust cash a check?

Will Martinsburg Bank and Trust redeem a savings bond?

Does Martinsburg Bank and Trust cash savings bonds?

Will Martinsburg Bank and Trust cash money orders?

Can Martinsburg Bank and Trust issue a money order?

Does Martinsburg Bank and Trust do currency exchange?

Background on The Bank

Who owns Martinsburg Bank and Trust?

How long has Martinsburg Bank and Trust been around?

Can Martinsburg Bank and Trust transfer to other banks?

Does Martinsburg Bank and Trust have quick pay?

Does Martinsburg Bank and Trust accept rolled coins?

Will Martinsburg Bank and Trust accept loose change?

Where is Martinsburg Bank and Trust headquarters?

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