O'Bannon Banking Company

1347 South Ash Street
Buffalo, MO 65622

Notable Rates APY Vs.Others
Savings 0.20% 2.60% →
1-Year CD 1.11% 2.25% →
2-Year CD 1.50% 2.50% →
5-Year CD 2.01% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

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
Money Market
0.20% $1,000 $10,000 Learn MoreShow Less
Money Market
0.23% $10,001 $25,000 Learn MoreShow Less
Money Market
0.29% $25,001 $50,000 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.35% $1,000 - Learn MoreShow Less
6 Mo CD
0.70% $1,000 - Learn MoreShow Less
Special: 9 Mo CD
1.81% $1,000 - Learn MoreShow Less
12 Mo CD
1.11% $1,000 - Learn MoreShow Less
Special: 15 Mo CD
2.02% $1,000 - Learn MoreShow Less
18 Mo CD
1.25% $1,000 - Learn MoreShow Less
24 Mo CD
1.50% $1,000 - Learn MoreShow Less
36 Mo CD
1.66% $1,000 - Learn MoreShow Less
48 Mo CD
1.86% $1,000 - Learn MoreShow Less
60 Mo CD
2.01% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.26% $100 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
1.21% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $1 - Learn MoreShow Less

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
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.530% 3.500% 0.38 $930 $1,123 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
Rocket Mortgage
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
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Atlantic Union Bank
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

Where are O'bannon Banking Company locations?

See branch locations nearby.

Is O'bannon Banking Company open on Saturdays?

Is O'bannon Banking Company open on Sundays?

What time does O'bannon Banking Company open?

What time does O'bannon Banking Company close?

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?

What is O'bannon Banking Company's ACH Routing Number?

What is O'bannon Banking Company's SWIFT code?

Products

Does O'bannon Banking Company offer mortgages?

Compare mortgage rates here.

Does O'bannon Banking Company offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does O'bannon Banking Company offer personal loans?

Compare personal loan rates here.

Does O'bannon Banking Company offer student loans?

Will O'bannon Banking Company cash a check?

Will O'bannon Banking Company redeem a savings bond?

Does O'bannon Banking Company cash savings bonds?

Will O'bannon Banking Company cash money orders?

Can O'bannon Banking Company issue a money order?

Does O'bannon Banking Company do currency exchange?

Background on The Bank

Who owns O'bannon Banking Company?

How long has O'bannon Banking Company been around?

Can O'bannon Banking Company transfer to other banks?

Does O'bannon Banking Company have quick pay?

Does O'bannon Banking Company accept rolled coins?

Will O'bannon Banking Company accept loose change?

Where is O'bannon Banking Company headquarters?

Customer Reviews for O'Bannon Banking Company


  • December 08, 2016 |

    CDs 60 Month Rates

    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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