Rockwood Bank

219 Thresher Drive
Eureka, MO 63025

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 32745
Date Established 1990
Assets $0.25 billion
Loans $0.18 billion
Deposits $0.21 billion
Capital $0.03 billion

Rockwood Bank is an FDIC insured institution located in Eureka, MO. It was founded in 1990 and has approximately $0.25 billion in assets. Customers can open an account at one of its 4 branches.

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

Bank Loan Profile?

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

Compared to other banks in Missouri, Rockwood Bank has a significantly higher percent of Construction and Development Loans, Commercial Real Estate 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 30.98
Multifamily
Mortgages
3.27
Credit Card Loans 0.00
Consumer Auto Loans 0.53
Small Business Loans 0.00
Construction and Development Loans 13.89
Commercial Real Estate 47.66
Commercial and Industrial Loans 3.54
Farm Loans 0.00

Deposit Rates - March 24, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.20% $1 $9,999 Learn MoreShow Less
Money Market
0.25% $10,000 $24,999 Learn MoreShow Less
Money Market
0.30% $25,000 $49,999 Learn MoreShow Less
Premium Money Market Account
0.40% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.30% $1,000 - Learn MoreShow Less
6 Mo CD
0.60% $1,000 - Learn MoreShow Less
12 Mo CD
0.75% $1,000 - Learn MoreShow Less
18 Mo CD
0.80% $1,000 - Learn MoreShow Less
24 Mo CD
0.90% $1,000 - Learn MoreShow Less
36 Mo CD
1.05% $1,000 - Learn MoreShow Less
48 Mo CD
1.15% $1,000 - Learn MoreShow Less
60 Mo CD
1.31% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.75% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 - Learn MoreShow Less

Loan Rates - March 24, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Rockwood Bank

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
PenFed Credit Union
NMLS ID: 401822
4.250% 4.125% 0.50 $3,750 $1,212 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More
Rocket Mortgage
NMLS ID: 3030
4.560% 4.560% 0.00 $0 $1,276 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
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info

Note to Rockwood Bank
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Branches

Rockwood Bank 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


Rockwood Bank Locations


Financial Details

Rockwood Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Rockwood Bank. 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
Rockwood Bank U.S. Bank Average
5.6% 7.34%

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 September 30, 2018, Rockwood Bank had $781,000 in non-current loans and $1,273,000 in owned real estate. To cover these potential losses it had $34,004,000 in equity and $2,692,000 in loans loss reserves. That gives it a Texas Ratio of 5.6%.

Return on Equity
Rockwood Bank U.S. Bank Average
7.62% 9.95%

Rockwood Bank has a Return on Equity of 7.62% versus the BestCashCow average of 9.95%. 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
Rockwood Bank U.S. Bank Average
13.71% 12.19%

Rockwood Bank has a Capitalization of 13.71% versus the BestCashCow average of 12.19. 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.

Rockwood Bank Balance Sheet Analysis

As of September 30, 2018, Rockwood Bank had assets of $248,103,000, loans of $182,740,000, and deposits of $208,450,000. 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

September 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.04 billion
Net loans and leases $0.18 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 $0.01 billion
     Total Assets $0.21 billion
LIABILITIES
Total deposits $0.21 billion
      Interest-bearing deposits $0.14 billion
      Deposits held in domestic offices $0.21 billion
      % insured (estimated) 89.46%
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 $0.01 billion
      Total Liabilities $0.21 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

September 30, 2018
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

Frequently Asked Questions About Rockwood Bank

Branches and Savings

Is Rockwood Bank FDIC insured?

Yes. It is covered under FDIC Certificate #32745.

Why does Rockwood Bank pay such low interest on savings accounts?

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

Why are Rockwood Bank CD rates not competitive?

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

Is Rockwood Bank a commercial bank?

Yes

Where are Rockwood Bank locations?

See branch locations nearby.

Is Rockwood Bank open on Saturdays?

Is Rockwood Bank open on Sundays?

What time does Rockwood Bank open?

What time does Rockwood Bank close?

Are Rockwood Bank ATMs Open 24/7?

Do Rockwood Bank ATMs accept cash deposits?

Can Rockwood Bank customers use other ATMs?

Do Rockwood Bank branches have notaries?

Will Rockwood Bank notarize my document?

What address for Rockwood Bank should I put for incoming ACH transfers?

Will the Rockwood Bank branch print checks?

Do Rockwood Bank checks expire?

Does Rockwood Bank require US citizenship to open account?

Can Rockwood Bank close my account?

Does Rockwood Bank Report to credit bureaus?

Does Rockwood Bank Use Equifax?

What is Rockwood Bank's ACH Routing Number?

What is Rockwood Bank's SWIFT code?

Products

Does Rockwood Bank offer mortgages?

Compare mortgage rates here.

Does Rockwood Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Rockwood Bank offer personal loans?

Compare personal loan rates here.

Does Rockwood Bank offer student loans?

Will Rockwood Bank cash a check?

Will Rockwood Bank redeem a savings bond?

Does Rockwood Bank cash savings bonds?

Will Rockwood Bank cash money orders?

Can Rockwood Bank issue a money order?

Does Rockwood Bank do currency exchange?

Background on The Bank

Who owns Rockwood Bank?

How long has Rockwood Bank been around?

Can Rockwood Bank transfer to other banks?

Does Rockwood Bank have quick pay?

Does Rockwood Bank accept rolled coins?

Will Rockwood Bank accept loose change?

Where is Rockwood Bank headquarters?

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