National Bank of Earlville

Headquarters

137 South Main Street
Earlville, IL 60518
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

National Bank of Earlville is an FDIC insured institution located in Earlville, IL. It was founded in 1938 and has approximately $0.06 billion in assets.

FDIC Insured Yes
FDIC Certificate # 15630
Date Established 1938
Assets $ 56.55 million
Loans $ 28.15 million
Deposits $ 47.94 million
Capital $ 8.29 million
 

For a more detailed analysis of National Bank of Earlville'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 National Bank of Earlville

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 $2,122 $1,021 Learn More

Featured - Connecticut 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
More Info

Note to National Bank of Earlville
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Branches

National Bank of Earlville 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


National Bank of Earlville Locations


Financial Details

National Bank of Earlville Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of National Bank of Earlville. 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
National Bank of Earlville U.S. Bank Average
15.15% 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, National Bank of Earlville had $641,000 in non-current loans and $753,000 in owned real estate. To cover these potential losses it had $8,286,000 in equity and $914,000 in loans loss reserves. That gives it a Texas Ratio of 15.15%.

Return on Equity
National Bank of Earlville U.S. Bank Average
-2.29% 7.80%

National Bank of Earlville has a Return on Equity of -2.29% 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
National Bank of Earlville U.S. Bank Average
14.65% 12.68%

National Bank of Earlville has a Capitalization of 14.65% 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.

National Bank of Earlville Balance Sheet Analysis

As of December 31, 2013, National Bank of Earlville had assets of $56,554,000, loans of $28,154,000, and deposits of $47,939,000. 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 $ 28.15 million
Loan loss allowance $ 0.91 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.75 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 47.94 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 $ 56.55 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 National Bank of Earlville’s loan portfolio are 1-4 Family Residential Loans, Farm Loans, and Commercial and Industrial Loans.

Compared to other banks in Illinois, National Bank of Earlville 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 30.76
Multifamily
Mortgages
1.99
Credit Card Loans 0.01
Consumer Auto Loans 2.30
Small Business Loans 3.55
Construction and Development Loans 0.85
Commercial Real Estate 3.55
Commercial and Industrial Loans 5.26
Farm Loans 21.43

Frequently Asked Questions About National Bank Of Earlville

Branches and Savings

Is National Bank Of Earlville FDIC insured?

Yes. It is covered under FDIC Certificate #15630.

Why does National Bank Of Earlville pay such low interest on savings accounts?

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

Why are National Bank Of Earlville CD rates not competitive?

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

Is National Bank Of Earlville a commercial bank?

Yes

Where are National Bank Of Earlville locations?

See branch locations nearby.

Is National Bank Of Earlville open on Saturdays?

Is National Bank Of Earlville open on Sundays?

What time does National Bank Of Earlville open?

What time does National Bank Of Earlville close?

Are National Bank Of Earlville ATMs Open 24/7?

Do National Bank Of Earlville ATMs accept cash deposits?

Can National Bank Of Earlville customers use other ATMs?

Do National Bank Of Earlville branches have notaries?

Will National Bank Of Earlville notarize my document?

What address for National Bank Of Earlville should I put for incoming ACH transfers?

Will the National Bank Of Earlville branch print checks?

Do National Bank Of Earlville checks expire?

Does National Bank Of Earlville require US citizenship to open account?

Can National Bank Of Earlville close my account?

Does National Bank Of Earlville Report to credit bureaus?

Does National Bank Of Earlville Use Equifax?

What is National Bank Of Earlville's ACH Routing Number?

What is National Bank Of Earlville's SWIFT code?

Products

Does National Bank Of Earlville offer mortgages?

Compare mortgage rates here.

Does National Bank Of Earlville offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does National Bank Of Earlville offer personal loans?

Compare personal loan rates here.

Does National Bank Of Earlville offer student loans?

Will National Bank Of Earlville cash a check?

Will National Bank Of Earlville redeem a savings bond?

Does National Bank Of Earlville cash savings bonds?

Will National Bank Of Earlville cash money orders?

Can National Bank Of Earlville issue a money order?

Does National Bank Of Earlville do currency exchange?

Background on The Bank

Who owns National Bank Of Earlville?

How long has National Bank Of Earlville been around?

Can National Bank Of Earlville transfer to other banks?

Does National Bank Of Earlville have quick pay?

Does National Bank Of Earlville accept rolled coins?

Will National Bank Of Earlville accept loose change?

Where is National Bank Of Earlville headquarters?

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