1347 South Ash Street
Buffalo, MO 65622
| FDIC Insured | Yes |
| FDIC Certificate | # 8295 |
| Date Established | 1905 |
| Assets | $0.21 billion |
| Loans | $0.17 billion |
| Deposits | $0.17 billion |
| Capital | $0.02 billion |
O'Bannon Banking Company is an FDIC insured institution located in Buffalo, MO. It was founded in 1905 and has approximately $0.21 billion in assets. Customers can open an account at one of its 6 branches.
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.
The top three loan types in O'Bannon Banking Company’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business 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 | 30.30 | ✓ | ||
| Multifamily Mortgages |
4.47 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 0.60 | ✓ | ||
| Small Business Loans | 10.65 | ✓ | ||
| Construction and Development Loans | 5.98 | ✓ | ||
| Commercial Real Estate | 20.33 | ✓ | ||
| Commercial and Industrial Loans | 10.49 | ✓ | ||
| Farm Loans | 6.57 | ✓ | ||
Your Current Location: Washington, WA 98109
| Savings and Money Market Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.20% | $1 | - | Learn More |
| Compare with 2.25% APY Platinum Online Savings Account from Northfield Bank | Advertiser Disclosure | ||||
|
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
|
2.17% | $1,000 | - | Learn More |
| 12 Mo CD
|
1.11% | $1,000 | - | Learn More |
| Special: 13 Mo CD
|
2.42% | $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 |
Your Current Location: Washington, WA 98109
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:
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 3030 |
4.875% | 4.875% | 0.00 | $0 | $1,324 | Learn More |
NMLS ID: 3030 |
5.375% | 5.375% | 0.00 | $0 | $1,400 | Learn More |
NMLS ID: 2925 License#: CL-2925. NMLSID#2925 |
4.031% | 4.000% | 0.38 | $945 | $1,194 | Learn More |
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Figure Home Equity Loan Plus |
8.000 %
|
N/A |
Learn More
More Info |
Third Federal Savings and Loans |
4.490 %
|
$0 |
Learn More
More Info |
PenFed Credit Union |
5.500 %
|
$0 |
Learn More
More Info |
Note to O'Bannon Banking Company
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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:
Seattle,Washington
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.
| O'Bannon Banking Company | U.S. Bank Average |
|---|---|
| 6.38% | 6.97% |
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 December 31, 2018, O'Bannon Banking Company had $1,017,000 in non-current loans and $263,000 in owned real estate. To cover these potential losses it had $18,451,000 in equity and $1,611,000 in loans loss reserves. That gives it a Texas Ratio of 6.38%.
| O'Bannon Banking Company | U.S. Bank Average |
|---|---|
| 12.52% | 8.80% |
O'Bannon Banking Company has a Return on Equity of 12.52% versus the BestCashCow average of 8.80%. 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.
| O'Bannon Banking Company | U.S. Bank Average |
|---|---|
| 8.83% | 12.29% |
O'Bannon Banking Company has a Capitalization of 8.83% versus the BestCashCow average of 12.29. 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.
As of December 31, 2018, O'Bannon Banking Company had assets of $208,841,000, loans of $171,943,000, and deposits of $172,260,000. 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.
| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $0.01 billion |
| Interest-bearing balances | $0.00 billion |
| Total securities | $0.02 billion |
| Federal funds sold and reverse repurchase | $0.00 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 | $0.19 billion |
| LIABILITIES | |
|---|---|
| Total deposits | $0.17 billion |
| Interest-bearing deposits | $0.14 billion |
| Deposits held in domestic offices | $0.17 billion |
| % insured (estimated) | 87.54% |
| Federal funds purchased and repurchase agreements | $0.00 billion |
| Trading liabilities | $0.00 billion |
| Other borrowed funds | $0.02 billion |
| Subordinated debt | $0.00 billion |
| All other liabilities | $0.00 billion |
| Total Liabilities | $0.19 billion |
| Shareholders’ Equity | $0.02 billion |
| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $0.01 billion |
| Total Interest Expense | $0.00 billion |
| Net interest income | $0.01 billion |
| Provision for loan and lease losses | $0.00 billion |
| Total non interest income | $0.00 billion |
| Total non interest expense | $0.01 billion |
| Pre-tax Net Operating Income | $0.00 billion |
Yes. It is covered under FDIC Certificate #8295.
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Yes
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Last Update on April 19, 2019
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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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