Mother Lode Bank

Headquarters

172 West Stockton Road
Sonora, CA 95370
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. 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

Mother Lode Bank is an FDIC insured institution located in Sonora, CA. It was founded in 2004 and has approximately $0.07 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 57637
Date Established 2004
Assets $ 67.01 million
Loans $ 48.67 million
Deposits $ 61.68 million
Capital $ 5.06 million
 

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

Deposit Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Mother Lode 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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,118 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
3.872% 3.750% 1.00 $3,750 $1,158 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
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Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Mother Lode Bank
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Branches

Mother Lode 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


Mother Lode Bank Locations


Financial Details

Mother Lode Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Mother Lode 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
Mother Lode Bank U.S. Bank Average
21.07% 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, Mother Lode Bank had $825,000 in non-current loans and $475,000 in owned real estate. To cover these potential losses it had $5,064,000 in equity and $1,105,000 in loans loss reserves. That gives it a Texas Ratio of 21.07%.

Return on Equity
Mother Lode Bank U.S. Bank Average
5.09% 7.80%

Mother Lode Bank has a Return on Equity of 5.09% 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
Mother Lode Bank U.S. Bank Average
7.56% 12.68%

Mother Lode Bank has a Capitalization of 7.56% 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.

Mother Lode Bank Balance Sheet Analysis

As of March 31, 2015, Mother Lode Bank had assets of $70,463,000, loans of $48,669,000, and deposits of $61,677,000. 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 $ 48.67 million
Loan loss allowance $ 1.11 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.48 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 61.68 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 $ 67.01 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 Mother Lode Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in California, Mother Lode Bank has a significantly higher percent of Small Business 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 28.49
Multifamily
Mortgages
3.57
Credit Card Loans 0.00
Consumer Auto Loans 0.03
Small Business Loans 24.04
Construction and Development Loans 10.79
Commercial Real Estate 40.26
Commercial and Industrial Loans 18.93
Farm Loans 0.00

Frequently Asked Questions About Mother Lode Bank

Branches and Savings

Is Mother Lode Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57637.

Why does Mother Lode Bank pay such low interest on savings accounts?

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

Why are Mother Lode Bank CD rates not competitive?

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

Is Mother Lode Bank a commercial bank?

Yes

Where are Mother Lode Bank locations?

See branch locations nearby.

Is Mother Lode Bank open on Saturdays?

Is Mother Lode Bank open on Sundays?

What time does Mother Lode Bank open?

What time does Mother Lode Bank close?

Are Mother Lode Bank ATMs Open 24/7?

Do Mother Lode Bank ATMs accept cash deposits?

Can Mother Lode Bank customers use other ATMs?

Do Mother Lode Bank branches have notaries?

Will Mother Lode Bank notarize my document?

What address for Mother Lode Bank should I put for incoming ACH transfers?

Will the Mother Lode Bank branch print checks?

Do Mother Lode Bank checks expire?

Does Mother Lode Bank require US citizenship to open account?

Can Mother Lode Bank close my account?

Does Mother Lode Bank Report to credit bureaus?

Does Mother Lode Bank Use Equifax?

What is Mother Lode Bank's ACH Routing Number?

What is Mother Lode Bank's SWIFT code?

Products

Does Mother Lode Bank offer mortgages?

Compare mortgage rates here.

Does Mother Lode Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Mother Lode Bank offer personal loans?

Compare personal loan rates here.

Does Mother Lode Bank offer student loans?

Will Mother Lode Bank cash a check?

Will Mother Lode Bank redeem a savings bond?

Does Mother Lode Bank cash savings bonds?

Will Mother Lode Bank cash money orders?

Can Mother Lode Bank issue a money order?

Does Mother Lode Bank do currency exchange?

Background on The Bank

Who owns Mother Lode Bank?

How long has Mother Lode Bank been around?

Can Mother Lode Bank transfer to other banks?

Does Mother Lode Bank have quick pay?

Does Mother Lode Bank accept rolled coins?

Will Mother Lode Bank accept loose change?

Where is Mother Lode Bank headquarters?

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