Medina Valley State Bank

Headquarters

200 Tx Hwy 132 N
Devine, TX 78016
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. 2.25% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Medina Valley State Bank is an FDIC insured institution located in Devine, TX. It was founded in 1937 and has approximately $0.08 billion in assets.

FDIC Insured Yes
FDIC Certificate # 15513
Date Established 1937
Assets $ 78.53 million
Loans $ 19.29 million
Deposits $ 67.58 million
Capital $ 10.12 million
 

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

Deposit Rates - September 22, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - September 22, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Medina Valley 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
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.816% 2.750% 0.88 $2,132 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
3.872% 3.750% 1.00 $3,750 $1,158 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
2.990 %
$0 Learn More
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
3.500 %
$25,000 Learn More
More Info

Note to Medina Valley State Bank
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Branches

Medina Valley 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


Medina Valley State Bank Locations


Financial Details

Medina Valley State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Medina Valley 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
Medina Valley State Bank U.S. Bank Average
0.03% 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, Medina Valley State Bank had $3,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $10,118,000 in equity and $296,000 in loans loss reserves. That gives it a Texas Ratio of 0.03%.

Return on Equity
Medina Valley State Bank U.S. Bank Average
7.68% 7.80%

Medina Valley State Bank has a Return on Equity of 7.68% 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
Medina Valley State Bank U.S. Bank Average
12.88% 12.68%

Medina Valley State Bank has a Capitalization of 12.88% 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.

Medina Valley State Bank Balance Sheet Analysis

As of November 30, -0001, Medina Valley State Bank had assets of $81,123,000, loans of $19,286,000, and deposits of $67,580,000. 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 $ 19.29 million
Loan loss allowance $ 0.30 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 67.58 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 $ 78.53 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 Medina Valley State Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Medina Valley State Bank’s loan portfolio does not show any specific loan specialty.

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 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Medina Valley State Bank

Branches and Savings

Is Medina Valley State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #15513.

Why does Medina Valley 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 Medina Valley State Bank CD rates not competitive?

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

Is Medina Valley State Bank a commercial bank?

Yes

Where are Medina Valley State Bank locations?

See branch locations nearby.

Is Medina Valley State Bank open on Saturdays?

Is Medina Valley State Bank open on Sundays?

What time does Medina Valley State Bank open?

What time does Medina Valley State Bank close?

Are Medina Valley State Bank ATMs Open 24/7?

Do Medina Valley State Bank ATMs accept cash deposits?

Can Medina Valley State Bank customers use other ATMs?

Do Medina Valley State Bank branches have notaries?

Will Medina Valley State Bank notarize my document?

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

Will the Medina Valley State Bank branch print checks?

Do Medina Valley State Bank checks expire?

Does Medina Valley State Bank require US citizenship to open account?

Can Medina Valley State Bank close my account?

Does Medina Valley State Bank Report to credit bureaus?

Does Medina Valley State Bank Use Equifax?

What is Medina Valley State Bank's ACH Routing Number?

What is Medina Valley State Bank's SWIFT code?

Products

Does Medina Valley State Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Medina Valley State Bank offer personal loans?

Compare personal loan rates here.

Does Medina Valley State Bank offer student loans?

Will Medina Valley State Bank cash a check?

Will Medina Valley State Bank redeem a savings bond?

Does Medina Valley State Bank cash savings bonds?

Will Medina Valley State Bank cash money orders?

Can Medina Valley State Bank issue a money order?

Does Medina Valley State Bank do currency exchange?

Background on The Bank

Who owns Medina Valley State Bank?

How long has Medina Valley State Bank been around?

Can Medina Valley State Bank transfer to other banks?

Does Medina Valley State Bank have quick pay?

Does Medina Valley State Bank accept rolled coins?

Will Medina Valley State Bank accept loose change?

Where is Medina Valley State Bank headquarters?

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