Silex Banking Company

20 S 2nd St
Silex, MO 63377


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 14178
Date Established 1934
Assets $0.07 billion
Loans $0.03 billion
Deposits $0.06 billion
Capital $0.01 billion

Silex Banking Company is an FDIC insured institution located in Silex, MO. It was founded in 1934 and has approximately $0.07 billion in assets.

For a more detailed analysis of Silex Banking Company'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 Silex Banking Company’s loan portfolio are 1-4 Family Residential Loans, Construction and Development Loans, and Commercial and Industrial Loans.

Compared to other banks in Missouri, Silex Banking Company has a significantly higher percent of Construction and Development Loans 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 20.71
Credit Card Loans 0.00
Consumer Auto Loans 0.20
Small Business Loans 5.39
Construction and Development Loans 11.99
Commercial Real Estate 6.39
Commercial and Industrial Loans 9.94
Farm Loans 9.15

Deposit Rates - May 23, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.45% $1,000 - Learn MoreShow Less
3 Mo CD
0.75% $1,000 - Learn MoreShow Less
6 Mo CD
0.90% $1,000 - Learn MoreShow Less
12 Mo CD
1.21% $1,000 - Learn MoreShow Less
18 Mo CD
1.31% $1,000 - Learn MoreShow Less
24 Mo CD
1.41% $1,000 - Learn MoreShow Less
30 Mo CD
1.46% $1,000 - Learn MoreShow Less
36 Mo CD
1.56% $1,000 - Learn MoreShow Less
48 Mo CD
1.71% $1,000 - Learn MoreShow Less
60 Mo CD
2.07% $1,000 - Learn MoreShow Less

Fixed IRA
1.31% $50 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $1 - Learn MoreShow Less

Loan Rates - May 23, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Silex 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
Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.250% 5.250% 0.00 $0 $1,381 Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
3.905% 3.875% 0.38 $900 $1,176 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
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Note to Silex Banking Company
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Financial Details

Silex Banking Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Silex Banking Company. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Silex Banking Company U.S. Bank Average
0% 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, Silex Banking Company had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $11,498,000 in equity and $674,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Silex Banking Company U.S. Bank Average
7.48% 8.80%

Silex Banking Company has a Return on Equity of 7.48% 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.

Silex Banking Company U.S. Bank Average
15.69% 12.29%

Silex Banking Company has a Capitalization of 15.69% 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.

Silex Banking Company Balance Sheet Analysis

As of December 31, 2018, Silex Banking Company had assets of $73,277,000, loans of $33,590,000, and deposits of $61,668,000. 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, 2018
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.04 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.03 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 $0.06 billion
Total deposits $0.06 billion
      Interest-bearing deposits $0.05 billion
      Deposits held in domestic offices $0.06 billion
      % insured (estimated) 88.08%
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 $0.00 billion
      Total Liabilities $0.06 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

December 31, 2018
Total Interest Income $0.00 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

Frequently Asked Questions About Silex Banking Company

Branches and Savings

Is Silex Banking Company FDIC insured?

Yes. It is covered under FDIC Certificate #14178.

Why does Silex 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 Silex Banking Company CD rates not competitive?

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

Is Silex Banking Company a commercial bank?


Where are Silex Banking Company locations?

See branch locations nearby.

Is Silex Banking Company open on Saturdays?

Is Silex Banking Company open on Sundays?

What time does Silex Banking Company open?

What time does Silex Banking Company close?

Are Silex Banking Company ATMs Open 24/7?

Do Silex Banking Company ATMs accept cash deposits?

Can Silex Banking Company customers use other ATMs?

Do Silex Banking Company branches have notaries?

Will Silex Banking Company notarize my document?

What address for Silex Banking Company should I put for incoming ACH transfers?

Will the Silex Banking Company branch print checks?

Do Silex Banking Company checks expire?

Does Silex Banking Company require US citizenship to open account?

Can Silex Banking Company close my account?

Does Silex Banking Company Report to credit bureaus?

Does Silex Banking Company Use Equifax?

What is Silex Banking Company's ACH Routing Number?

What is Silex Banking Company's SWIFT code?


Does Silex Banking Company offer mortgages?

Compare mortgage rates here.

Does Silex Banking Company offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Silex Banking Company offer personal loans?

Compare personal loan rates here.

Does Silex Banking Company offer student loans?

Will Silex Banking Company cash a check?

Will Silex Banking Company redeem a savings bond?

Does Silex Banking Company cash savings bonds?

Will Silex Banking Company cash money orders?

Can Silex Banking Company issue a money order?

Does Silex Banking Company do currency exchange?

Background on The Bank

Who owns Silex Banking Company?

How long has Silex Banking Company been around?

Can Silex Banking Company transfer to other banks?

Does Silex Banking Company have quick pay?

Does Silex Banking Company accept rolled coins?

Will Silex Banking Company accept loose change?

Where is Silex Banking Company headquarters?

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