O'Bannon Banking Company

Headquarters

1347 S Ash St
Buffalo, MO 65622
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Notable Rates	APY	Vs.Others
Savings	N.A.	4.66% →
1-Year CD	N.A.	4.59% →
2-Year CD	N.A.	4.25% →
5-Year CD	N.A.	4.20% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 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 $0.29 billion in assets. Customers can open an account at one of its 6 branches.


FDIC Insured	Yes
FDIC Certificate	# 8295
Date Established	1905
Assets	$ 294.53 million
Loans	$ 211.74 million
Deposits	$ 264.82 million
Capital	$ 24.62 million

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 - July 5, 2025

Your Current Location: Wyoming, WY 10007

Loan Rates - July 5, 2025

Your Current Location: Wyoming, WY 10007

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 - Wyoming 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1025894	6.569%	6.490% 0.63 points $2,633 fees	$2,021	Learn More
NMLS ID: 401822	6.632%	6.500% 0.75 points $4,395 fees	$2,023	Learn More
NMLS ID: 6606	6.711%	6.625% 0.88 points $2,832 fees	$2,049	Learn More
NMLS ID: 491986		points fees		Learn More

See More Mortgage Rates →

Featured - Wyoming Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity See Table	Intro APR 7.150 % After Intro: 7.150 %	$15,000	Learn More More Info
Available APRs range from 6.70% - 14.65%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

See More Home Equity Rates →

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:
Riverton,Wyoming

O'Bannon Banking Company Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
O'bannon Banking Company Pleasant Ho	887.02	A	View Lobby Hours
O'bannon Banking Company	889.46	B	View Lobby Hours
Fair Grove Branch	893.97	C	View Lobby Hours
Strafford Branch	899.75	D	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

O'Bannon Banking Company is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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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
1.6%	4.63%

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 December 31, 2024, O'Bannon Banking Company had $430,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $24,619,000 in equity and $2,252,000 in loans loss reserves. That gives it a Texas Ratio of 1.6%.

Return on Equity

O'Bannon Banking Company	U.S. Bank Average
13.09%	10.10%

O'Bannon Banking Company has a Return on Equity of 13.09% versus the BestCashCow average of 10.10%. 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
8.36%	11.02%

O'Bannon Banking Company has a Capitalization of 8.36% versus the BestCashCow average of 11.02. 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 December 31, 2024, O'Bannon Banking Company had assets of $294,533,000, loans of $211,735,000, and deposits of $264,819,000. 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

December 31, 2024

ASSETS
Cash & Balances due from depository institutions	$ 5.18 million
Interest-bearing balances	$ 1.15 million
Total securities	$ 40.30 million
Federal funds sold and reverse repurchase	$ 26.86 million
Net loans and leases	$ 211.74 million
Loan loss allowance	$ 2.25 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	N.A.
All other assets	$ 3.16 million
Total Assets	$ 269.91 million

LIABILITIES
Total deposits	$ 264.82 million
Interest-bearing deposits	$ 213.75 million
Deposits held in domestic offices	$ 264.82 million
% insured (estimated)	86.96%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	N.A.
Other borrowed funds	$ 2.95 million
Subordinated debt	N.A.
All other liabilities	$ 0.32 million
Total Liabilities	$ 269.91 million
Shareholders’ Equity	$ 24.62 million

Summary Income Statement

December 31, 2024

INCOME AND EXPENSES
Total Interest Income	$ 16.94 million
Total Interest Expense	$ 6.08 million
Net interest income	$ 10.86 million
Provision for loan and lease losses	$ 0.30 million
Total non interest income	$ 0.67 million
Total non interest expense	$ 7.23 million
Pre-tax Net Operating Income	$ 1.63 million

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 Construction and Development 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	24.81		✓
Multifamily Mortgages	2.95		✓
Credit Card Loans	0.00	✓
Consumer Auto Loans	0.40		✓
Small Business Loans	8.95		✓
Construction and Development Loans	10.09		✓
Commercial Real Estate	19.48		✓
Commercial and Industrial Loans	8.12		✓
Farm Loans	5.72		✓

Customer Reviews for O'Bannon Banking Company

Jay

December 8, 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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