Small Town Bank

117 Main Street
Wedowee, AL 36278


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 35112
Date Established 1999
Assets $0.24 billion
Loans $0.12 billion
Deposits $0.20 billion
Capital $0.04 billion

Small Town Bank is an FDIC insured institution located in Wedowee, AL. It was founded in 1999 and has approximately $0.24 billion in assets. Customers can open an account at one of its 5 branches.

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

Deposit Rates - October 20, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $1 $4,999 Learn MoreShow Less
Money Market
0.08% $5,000 $24,999 Learn MoreShow Less
Money Market
0.13% $25,000 $49,999 Learn MoreShow Less
6 Mo CD
0.50% $500 - Learn MoreShow Less
Special: 9 Mo CD
1.95% $5,000 - Learn MoreShow Less
12 Mo CD
0.60% $500 - Learn MoreShow Less
18 Mo CD
0.70% $500 - Learn MoreShow Less
24 Mo CD
0.72% $500 - Learn MoreShow Less
36 Mo CD
0.84% $500 - Learn MoreShow Less
48 Mo CD
0.96% $500 - Learn MoreShow Less
60 Mo CD
1.13% $500 - Learn MoreShow Less

Fixed IRA
0.60% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.35% $1,500 - Learn MoreShow Less

Loan Rates - October 20, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Small Town Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.408% 3.375% 0.38 $1,020 $1,106 Learn More
Rocket Mortgage
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More

Featured - Connecticut 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
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.250 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.990 %
$0 Learn More
More Info

Note to Small Town Bank
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Small Town Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Small Town Bank Locations

Financial Details

Small Town Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Small Town Bank. 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
Small Town Bank U.S. Bank Average
2.59% 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, Small Town Bank had $895,000 in non-current loans and $168,000 in owned real estate. To cover these potential losses it had $39,470,000 in equity and $1,521,000 in loans loss reserves. That gives it a Texas Ratio of 2.59%.

Return on Equity
Small Town Bank U.S. Bank Average
6.22% 9.50%

Small Town Bank has a Return on Equity of 6.22% 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.

Small Town Bank U.S. Bank Average
16.37% 12.76%

Small Town Bank has a Capitalization of 16.37% 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.

Small Town Bank Balance Sheet Analysis

As of June 30, 2019, Small Town Bank had assets of $240,612,000, loans of $119,274,000, and deposits of $199,926,000. 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
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.10 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.12 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 $0.20 billion
Total deposits $0.20 billion
      Interest-bearing deposits $0.16 billion
      Deposits held in domestic offices $0.20 billion
      % insured (estimated) 85.11%
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 $0.20 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

June 30, 2019
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

Bank Loan Profile?

The top three loan types in Small Town Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in Alabama, Small Town Bank has a significantly higher percent of Small Business 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 20.19
Credit Card Loans 0.00
Consumer Auto Loans 0.82
Small Business Loans 27.33
Construction and Development Loans 8.37
Commercial Real Estate 45.49
Commercial and Industrial Loans 8.10
Farm Loans 0.34

Frequently Asked Questions About Small Town Bank

Branches and Savings

Is Small Town Bank FDIC insured?

Yes. It is covered under FDIC Certificate #35112.

Why does Small Town Bank pay such low interest on savings accounts?

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

Why are Small Town Bank CD rates not competitive?

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

Is Small Town Bank a commercial bank?


Where are Small Town Bank locations?

See branch locations nearby.

Is Small Town Bank open on Saturdays?

Is Small Town Bank open on Sundays?

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Are Small Town Bank ATMs Open 24/7?

Do Small Town Bank ATMs accept cash deposits?

Can Small Town Bank customers use other ATMs?

Do Small Town Bank branches have notaries?

Will Small Town Bank notarize my document?

What address for Small Town Bank should I put for incoming ACH transfers?

Will the Small Town Bank branch print checks?

Do Small Town Bank checks expire?

Does Small Town Bank require US citizenship to open account?

Can Small Town Bank close my account?

Does Small Town Bank Report to credit bureaus?

Does Small Town Bank Use Equifax?

What is Small Town Bank's ACH Routing Number?

What is Small Town Bank's SWIFT code?


Does Small Town Bank offer mortgages?

Compare mortgage rates here.

Does Small Town Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Small Town Bank offer personal loans?

Compare personal loan rates here.

Does Small Town Bank offer student loans?

Will Small Town Bank cash a check?

Will Small Town Bank redeem a savings bond?

Does Small Town Bank cash savings bonds?

Will Small Town Bank cash money orders?

Can Small Town Bank issue a money order?

Does Small Town Bank do currency exchange?

Background on The Bank

Who owns Small Town Bank?

How long has Small Town Bank been around?

Can Small Town Bank transfer to other banks?

Does Small Town Bank have quick pay?

Does Small Town Bank accept rolled coins?

Will Small Town Bank accept loose change?

Where is Small Town Bank headquarters?

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