Nelsonville Home and Savings

9 West Columbus Street
Nelsonville, OH 45764

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 28085
Date Established 1888
Assets $0.03 billion
Loans $0.02 billion
Deposits $0.03 billion
Capital $0.00 billion

Nelsonville Home and Savings is an FDIC insured institution located in Nelsonville, OH. It was founded in 1888 and has approximately $0.03 billion in assets.

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

Deposit Rates - August 21, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
CD Rates APY MIN MAX
3 Mo CD
0.75% $1,000 - Learn MoreShow Less
6 Mo CD
1.00% $1,000 - Learn MoreShow Less
12 Mo CD
1.16% $1,000 - Learn MoreShow Less
24 Mo CD
1.26% $1,000 - Learn MoreShow Less
36 Mo CD
1.51% $1,000 - Learn MoreShow Less
48 Mo CD
1.87% $1,000 - Learn MoreShow Less
60 Mo CD
2.28% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.16% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 - Learn MoreShow Less

Loan Rates - August 21, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Nelsonville Home and Savings

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 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.527% 3.500% 0.38 $852 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to Nelsonville Home and Savings
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Nelsonville Home and Savings 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


Nelsonville Home and Savings Locations


Financial Details

Nelsonville Home and Savings Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Nelsonville Home and Savings. 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
Nelsonville Home and Savings U.S. Bank Average
3.25% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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, 2019, Nelsonville Home and Savings had $125,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $3,630,000 in equity and $221,000 in loans loss reserves. That gives it a Texas Ratio of 3.25%.

Return on Equity
Nelsonville Home and Savings U.S. Bank Average
5.08% 9.47%

Nelsonville Home and Savings has a Return on Equity of 5.08% versus the BestCashCow average of 9.47%. 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
Nelsonville Home and Savings U.S. Bank Average
11.95% 12.49%

Nelsonville Home and Savings has a Capitalization of 11.95% versus the BestCashCow average of 12.49. 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.

Nelsonville Home and Savings Balance Sheet Analysis

As of March 31, 2019, Nelsonville Home and Savings had assets of $30,368,000, loans of $20,965,000, and deposits of $26,689,000. 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, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.02 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.03 billion
LIABILITIES
Total deposits $0.03 billion
      Interest-bearing deposits $0.03 billion
      Deposits held in domestic offices $0.03 billion
      % insured (estimated) 99.29%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.03 billion
      Shareholders’ Equity $0.00 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Nelsonville Home and Savings’s loan portfolio are 1-4 Family Residential Loans, Construction and Development Loans, and Commercial Real Estate.

Compared to other banks in Ohio, Nelsonville Home and Savings has a significantly higher percent of 1-4 Family Residential Loans, Construction and Development 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 76.81
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 2.04
Small Business Loans 0.00
Construction and Development Loans 11.33
Commercial Real Estate 8.93
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Nelsonville Home And Savings

Branches and Savings

Is Nelsonville Home And Savings FDIC insured?

Yes. It is covered under FDIC Certificate #28085.

Why does Nelsonville Home And Savings pay such low interest on savings accounts?

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

Why are Nelsonville Home And Savings CD rates not competitive?

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

Is Nelsonville Home And Savings a commercial bank?

Yes

Where are Nelsonville Home And Savings locations?

See branch locations nearby.

Is Nelsonville Home And Savings open on Saturdays?

Is Nelsonville Home And Savings open on Sundays?

What time does Nelsonville Home And Savings open?

What time does Nelsonville Home And Savings close?

Are Nelsonville Home And Savings ATMs Open 24/7?

Do Nelsonville Home And Savings ATMs accept cash deposits?

Can Nelsonville Home And Savings customers use other ATMs?

Do Nelsonville Home And Savings branches have notaries?

Will Nelsonville Home And Savings notarize my document?

What address for Nelsonville Home And Savings should I put for incoming ACH transfers?

Will the Nelsonville Home And Savings branch print checks?

Do Nelsonville Home And Savings checks expire?

Does Nelsonville Home And Savings require US citizenship to open account?

Can Nelsonville Home And Savings close my account?

Does Nelsonville Home And Savings Report to credit bureaus?

Does Nelsonville Home And Savings Use Equifax?

What is Nelsonville Home And Savings's ACH Routing Number?

What is Nelsonville Home And Savings's SWIFT code?

Products

Does Nelsonville Home And Savings offer mortgages?

Compare mortgage rates here.

Does Nelsonville Home And Savings offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Nelsonville Home And Savings offer personal loans?

Compare personal loan rates here.

Does Nelsonville Home And Savings offer student loans?

Will Nelsonville Home And Savings cash a check?

Will Nelsonville Home And Savings redeem a savings bond?

Does Nelsonville Home And Savings cash savings bonds?

Will Nelsonville Home And Savings cash money orders?

Can Nelsonville Home And Savings issue a money order?

Does Nelsonville Home And Savings do currency exchange?

Background on The Bank

Who owns Nelsonville Home And Savings?

How long has Nelsonville Home And Savings been around?

Can Nelsonville Home And Savings transfer to other banks?

Does Nelsonville Home And Savings have quick pay?

Does Nelsonville Home And Savings accept rolled coins?

Will Nelsonville Home And Savings accept loose change?

Where is Nelsonville Home And Savings headquarters?

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