O'Bannon Banking Company
1347 South Ash Street
Buffalo, MO 65622
2019 Overview
General Bank Information
O'Bannon Banking Company is an FDIC insured institution located in Buffalo, MO. It was founded in 1905 and has approximately $0.22 billion in assets. Customers can open an account at one of its 6 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 8295 |
| Date Established | 1905 |
| Assets | $0.22 billion |
| Loans | $0.17 billion |
| Deposits | $0.18 billion |
| Capital | $0.02 billion |
For a more detailed analysis of O'Bannon Banking Company's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - November 21, 2019
Your Current Location: Virginia, VA 20146
| Savings and Money Market Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.20% | $1 | - | Learn More |
|
Money Market
|
0.20% | $1,000 | $10,000 | Learn More |
|
Money Market
|
0.23% | $10,001 | $25,000 | Learn More |
|
Money Market
|
0.29% | $25,001 | $50,000 | Learn More |
| CD Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Mo CD
|
0.35% | $1,000 | - | Learn More |
| 6 Mo CD
|
0.70% | $1,000 | - | Learn More |
| Special: 9 Mo CD
|
1.81% | $1,000 | - | Learn More |
| 12 Mo CD
|
1.11% | $1,000 | - | Learn More |
| Special: 15 Mo CD
|
2.02% | $1,000 | - | Learn More |
| 18 Mo CD
|
1.25% | $1,000 | - | Learn More |
| 24 Mo CD
|
1.50% | $1,000 | - | Learn More |
| 36 Mo CD
|
1.66% | $1,000 | - | Learn More |
| 48 Mo CD
|
1.86% | $1,000 | - | Learn More |
| 60 Mo CD
|
2.01% | $1,000 | - | Learn More |
| Fixed IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Fixed IRA
|
1.26% | $100 | - | Learn More |
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
1.21% | $100 | - | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.15% | $1 | - | Learn More |
Loan Rates - November 21, 2019
Your Current Location: Virginia, VA 20146
There are currently no loan rates available for O'Bannon Banking Company
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 |
|---|---|---|---|---|---|---|
NMLS ID: 2890 License#: MC-3098 |
3.530% | 3.500% | 0.38 | $930 | $1,123 | Learn More |
NMLS ID: 3030 |
4.990% | 4.990% | 0.00 | $0 | $1,341 | Learn More |
NMLS ID: 3030 |
4.875% | 4.875% | 0.00 | $0 | $1,324 | Learn More |
Featured - Virginia Home Equity Line Of Credit Rates 2019
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Figure Home Equity Line |
0.000 %
|
$0 |
Learn More
More Info |
Third Federal Savings and Loans |
3.740 %
|
$0 |
Learn More
More Info |
Atlantic Union Bank |
4.750 %
|
$15,000 |
Learn More
More Info |
Note to O'Bannon Banking Company
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Branches
O'Bannon Banking Company 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
O'Bannon Banking Company Locations
Financial Details
O'Bannon Banking Company Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of O'Bannon Banking Company. 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
| O'Bannon Banking Company | U.S. Bank Average |
|---|---|
| 5.18% | 6.77% |
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 June 30, 2019, O'Bannon Banking Company had $1,085,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $19,224,000 in equity and $1,740,000 in loans loss reserves. That gives it a Texas Ratio of 5.18%.
Return on Equity
| O'Bannon Banking Company | U.S. Bank Average |
|---|---|
| 11.59% | 9.50% |
O'Bannon Banking Company has a Return on Equity of 11.59% versus the BestCashCow average of 9.50%. 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
| O'Bannon Banking Company | U.S. Bank Average |
|---|---|
| 8.86% | 12.76% |
O'Bannon Banking Company has a Capitalization of 8.86% versus the BestCashCow average of 12.76. 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.
O'Bannon Banking Company Balance Sheet Analysis
As of June 30, 2019, O'Bannon Banking Company had assets of $216,987,000, loans of $171,038,000, and deposits of $184,345,000. 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
June 30, 2019| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $0.00 billion |
| Interest-bearing balances | $0.00 billion |
| Total securities | $0.02 billion |
| Federal funds sold and reverse repurchase | $0.01 billion |
| Net loans and leases | $0.17 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 | $0.20 billion |
| LIABILITIES | |
|---|---|
| Total deposits | $0.18 billion |
| Interest-bearing deposits | $0.15 billion |
| Deposits held in domestic offices | $0.18 billion |
| % insured (estimated) | 88.22% |
| Federal funds purchased and repurchase agreements | $0.00 billion |
| Trading liabilities | $0.00 billion |
| Other borrowed funds | $0.01 billion |
| Subordinated debt | $0.00 billion |
| All other liabilities | $0.00 billion |
| Total Liabilities | $0.20 billion |
| Shareholders’ Equity | $0.02 billion |
Summary Income Statement
June 30, 2019| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $0.01 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 O'Bannon Banking Company’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.
Compared to other banks, O'Bannon Banking Company’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 | 29.64 | ✓ | ||
| Multifamily Mortgages |
4.62 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 0.55 | ✓ | ||
| Small Business Loans | 10.08 | ✓ | ||
| Construction and Development Loans | 6.70 | ✓ | ||
| Commercial Real Estate | 19.28 | ✓ | ||
| Commercial and Industrial Loans | 11.54 | ✓ | ||
| Farm Loans | 6.74 | ✓ | ||
Frequently Asked Questions About O'bannon Banking Company
Branches and Savings
Is O'bannon Banking Company FDIC insured?
Yes. It is covered under FDIC Certificate #8295.
Why does O'bannon Banking Company pay such low interest on savings accounts?
See the best online savings rates here. See the best local savings rates here.
Why are O'bannon Banking Company CD rates not competitive?
See the best online CD rates here. See the best local CD rates here.
Is O'bannon Banking Company a commercial bank?
Yes
Is O'bannon Banking Company open on Saturdays?
Is O'bannon Banking Company open on Sundays?
What time does O'bannon Banking Company open?
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Are O'bannon Banking Company ATMs Open 24/7?
Do O'bannon Banking Company ATMs accept cash deposits?
Can O'bannon Banking Company customers use other ATMs?
Do O'bannon Banking Company branches have notaries?
Will O'bannon Banking Company notarize my document?
What address for O'bannon Banking Company should I put for incoming ACH transfers?
Will the O'bannon Banking Company branch print checks?
Do O'bannon Banking Company checks expire?
Does O'bannon Banking Company require US citizenship to open account?
Can O'bannon Banking Company close my account?
Does O'bannon Banking Company Report to credit bureaus?
Does O'bannon Banking Company Use Equifax?
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Products
Does O'bannon Banking Company offer home equity lines of credit and home equity loans?
Compare home equity lines of credit rates here.
Jay
December 08, 2016 |
Not a handicap friendly bank at main office. Customers must walk long distance to reach teller windows far from entrance. CD rates could be improved. Putman County Bank has 1 percent better on larger 5 yr CD's which amounts to thousands of dollars more for the depositor.
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