State Bank of Lakota

125 Main Street
Lakota, ND 58344

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 16477
Date Established 1900
Assets $0.05 billion
Loans $0.03 billion
Deposits $0.04 billion
Capital $0.00 billion

State Bank of Lakota is an FDIC insured institution located in Lakota, ND. It was founded in 1900 and has approximately $0.05 billion in assets.

For a more detailed analysis of State Bank of Lakota'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 State Bank of Lakota’s loan portfolio are Farm Loans, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, State Bank of Lakota’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 18.88
Multifamily
Mortgages
0.00
Credit Card Loans 0.10
Consumer Auto Loans 3.80
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 9.31
Commercial and Industrial Loans 12.22
Farm Loans 32.22

Deposit Rates - August 15, 2018

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.60% $2,500 - Learn MoreShow Less
6 Mo CD 10K
0.75% $2,500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Variable IRA Rates APY MIN MAX
Var IRA 0K
1.41% $1 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.20% $1,000 - Learn MoreShow Less
PREMM Rates APY MIN MAX
Premium MM 10K
0.15% $10,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.10% $500 - Learn MoreShow Less

Loan Rates - August 15, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for State Bank of Lakota

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 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
HomeDirect Mortgage
NMLS ID: 420821
4.520% 4.500% 0.25 $680 $1,267 Learn More
Ally Bank
NMLS ID: 181005
4.563% 4.500% 0.38 $1,949 $1,267 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.325% 4.250% 0.50 $2,354 $1,230 Learn More
PenFed Credit Union
NMLS ID: 401822
4.585% 4.500% 0.00 $2,500 $1,267 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More
Flagstar Bank 5.740% $291.47 Learn More

Note to State Bank of Lakota
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Branches

State Bank of Lakota 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


State Bank of Lakota Locations

Financial Details

State Bank of Lakota Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of State Bank of Lakota. 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
State Bank of Lakota U.S. Bank Average
3.97% 7.92%

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 March 31, 2018, State Bank of Lakota had $204,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $4,868,000 in equity and $265,000 in loans loss reserves. That gives it a Texas Ratio of 3.97%.

Return on Equity
State Bank of Lakota U.S. Bank Average
14.35% 9.35%

State Bank of Lakota has a Return on Equity of 14.35% versus the BestCashCow average of 9.35%. 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
State Bank of Lakota U.S. Bank Average
9.98% 12.01%

State Bank of Lakota has a Capitalization of 9.98% versus the BestCashCow average of 12.01. 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.

State Bank of Lakota Balance Sheet Analysis

As of March 31, 2018, State Bank of Lakota had assets of $48,763,000, loans of $29,470,000, and deposits of $43,794,000. 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

ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.01 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 $0.04 billion
LIABILITIES
Total deposits $0.04 billion
      Interest-bearing deposits $0.03 billion
      Deposits held in domestic offices $0.04 billion
      % insured (estimated) 86.50%
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 $0.04 billion
      Shareholders’ Equity $0.00 billion

Summary Income Statement

INCOME AND EXPENSES
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 State Bank Of Lakota

Branches and Savings

Is State Bank Of Lakota FDIC insured?

Yes. It is covered under FDIC Certificate #16477.

Why does State Bank Of Lakota pay such low interest on savings accounts?

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

Why are State Bank Of Lakota CD rates not competitive?

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

Is State Bank Of Lakota a commercial bank?

Yes

Where are State Bank Of Lakota locations?

See branch locations nearby.

Is State Bank Of Lakota open on Saturdays?

Is State Bank Of Lakota open on Sundays?

What time does State Bank Of Lakota open?

What time does State Bank Of Lakota close?

Are State Bank Of Lakota ATMs Open 24/7?

Do State Bank Of Lakota ATMs accept cash deposits?

Can State Bank Of Lakota customers use other ATMs?

Do State Bank Of Lakota branches have notaries?

Will State Bank Of Lakota notarize my document?

What address for State Bank Of Lakota should I put for incoming ACH transfers?

Will the State Bank Of Lakota branch print checks?

Do State Bank Of Lakota checks expire?

Does State Bank Of Lakota require US citizenship to open account?

Can State Bank Of Lakota close my account?

Does State Bank Of Lakota Report to credit bureaus?

Does State Bank Of Lakota Use Equifax?

What is State Bank Of Lakota's ACH Routing Number?

What is State Bank Of Lakota's SWIFT code?

Products

Does State Bank Of Lakota offer mortgages?

Compare mortgage rates here.

Does State Bank Of Lakota offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does State Bank Of Lakota offer personal loans?

Compare personal loan rates here.

Does State Bank Of Lakota offer student loans?

Will State Bank Of Lakota cash a check?

Will State Bank Of Lakota redeem a savings bond?

Does State Bank Of Lakota cash savings bonds?

Will State Bank Of Lakota cash money orders?

Can State Bank Of Lakota issue a money order?

Does State Bank Of Lakota do currency exchange?

Background on The Bank

Who owns State Bank Of Lakota?

How long has State Bank Of Lakota been around?

Can State Bank Of Lakota transfer to other banks?

Does State Bank Of Lakota have quick pay?

Does State Bank Of Lakota accept rolled coins?

Will State Bank Of Lakota accept loose change?

Where is State Bank Of Lakota headquarters?

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