Miner County Bank


217 South Main Street
Howard, SD 57349
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Notable Rates APY Vs.Others
Savings N.A. 0.95% →
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

Miner County Bank is an FDIC insured institution located in Howard, SD. It was founded in 1926 and has approximately $0.05 billion in assets.

FDIC Insured Yes
FDIC Certificate # 9933
Date Established 1926
Assets $ 52.62 million
Loans $ 33.67 million
Deposits $ 43.08 million
Capital $ 6.02 million

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

Deposit Rates - October 24, 2020

Your Current Location: Virginia, VA 20146

Loan Rates - October 24, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Miner County 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
Learn More
NMLS ID: 2890
License#: MC-3098
2.575% 2.500% 1.00 $2,470 $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 Miner County Bank
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Financial Details

Miner County Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Miner County 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
Miner County Bank U.S. Bank Average
0.43% 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, Miner County Bank had $0 in non-current loans and $27,000 in owned real estate. To cover these potential losses it had $6,023,000 in equity and $189,000 in loans loss reserves. That gives it a Texas Ratio of 0.43%.

Return on Equity
Miner County Bank U.S. Bank Average
4.49% 7.80%

Miner County Bank has a Return on Equity of 4.49% 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.

Miner County Bank U.S. Bank Average
11.45% 12.68%

Miner County Bank has a Capitalization of 11.45% 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.

Miner County Bank Balance Sheet Analysis

As of June 30, 2017, Miner County Bank had assets of $52,250,000, loans of $33,673,000, and deposits of $43,077,000. 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
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 $ 33.67 million
Loan loss allowance $ 0.19 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.03 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 43.08 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 $ 52.62 million

Summary Income Statement

March 31, 2020
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 Miner County Bank’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks, Miner County 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.50
Credit Card Loans 0.00
Consumer Auto Loans 0.88
Small Business Loans 6.26
Construction and Development Loans 0.00
Commercial Real Estate 6.26
Commercial and Industrial Loans 8.60
Farm Loans 31.57

Frequently Asked Questions About Miner County Bank

Branches and Savings

Is Miner County Bank FDIC insured?

Yes. It is covered under FDIC Certificate #9933.

Why does Miner County Bank pay such low interest on savings accounts?

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

Why are Miner County Bank CD rates not competitive?

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

Is Miner County Bank a commercial bank?


Where are Miner County Bank locations?

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Is Miner County Bank open on Saturdays?

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Are Miner County Bank ATMs Open 24/7?

Do Miner County Bank ATMs accept cash deposits?

Can Miner County Bank customers use other ATMs?

Do Miner County Bank branches have notaries?

Will Miner County Bank notarize my document?

What address for Miner County Bank should I put for incoming ACH transfers?

Will the Miner County Bank branch print checks?

Do Miner County Bank checks expire?

Does Miner County Bank require US citizenship to open account?

Can Miner County Bank close my account?

Does Miner County Bank Report to credit bureaus?

Does Miner County Bank Use Equifax?

What is Miner County Bank's ACH Routing Number?

What is Miner County Bank's SWIFT code?


Does Miner County Bank offer mortgages?

Compare mortgage rates here.

Does Miner County Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Miner County Bank offer personal loans?

Compare personal loan rates here.

Does Miner County Bank offer student loans?

Will Miner County Bank cash a check?

Will Miner County Bank redeem a savings bond?

Does Miner County Bank cash savings bonds?

Will Miner County Bank cash money orders?

Can Miner County Bank issue a money order?

Does Miner County Bank do currency exchange?

Background on The Bank

Who owns Miner County Bank?

How long has Miner County Bank been around?

Can Miner County Bank transfer to other banks?

Does Miner County Bank have quick pay?

Does Miner County Bank accept rolled coins?

Will Miner County Bank accept loose change?

Where is Miner County Bank headquarters?

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