Texas Hill Country Bank

Headquarters

800 Main Street
Bandera, TX 78003
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.91% →
1-Year CD N.A. 0.85% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Texas Hill Country Bank is an FDIC insured institution located in Bandera, TX. It was founded in 2009 and has approximately $0.17 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 58932
Date Established 2009
Assets $ 171.13 million
Loans $ 126.35 million
Deposits $ 154.66 million
Capital $ 15.97 million
 

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

Deposit Rates - November 26, 2020

Your Current Location: Connecticut, CT 06828

 

Loan Rates - November 26, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Texas Hill Country 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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
First Internet Bank
NMLS ID: 424182
2.566% 2.500% 0.88 $2,170 $988 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.589% 2.500% 1.00 $2,915 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
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People's United Bank, N.A.
People's United Bank, N.A.
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4.000 %
$0 Learn More
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Note to Texas Hill Country Bank
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Branches

Texas Hill Country 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:
Fairfield,Connecticut


Texas Hill Country Bank Locations


Financial Details

Texas Hill Country Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Texas Hill Country 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
Texas Hill Country Bank U.S. Bank Average
0% 6.94%

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 March 31, 2020, Texas Hill Country Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $15,973,000 in equity and $1,215,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Texas Hill Country Bank U.S. Bank Average
9.11% 7.80%

Texas Hill Country Bank has a Return on Equity of 9.11% versus the BestCashCow average of 7.80%. 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.

Capitalization
Texas Hill Country Bank U.S. Bank Average
9.33% 12.68%

Texas Hill Country Bank has a Capitalization of 9.33% versus the BestCashCow average of 12.68. 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.

Texas Hill Country Bank Balance Sheet Analysis

As of March 31, 2020, Texas Hill Country Bank had assets of $171,132,000, loans of $126,351,000, and deposits of $154,664,000. 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

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 33.56 million
Interest-bearing balances $ 28.81 million
Total securities $ 3.29 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 126.35 million
Loan loss allowance $ 1.22 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 $ 0.89 million
     Total Assets $ 155.16 million
LIABILITIES
Total deposits $ 154.66 million
      Interest-bearing deposits $ 127.55 million
      Deposits held in domestic offices $ 154.66 million
      % insured (estimated) 64.57%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.50 million
      Total Liabilities $ 155.16 million
      Shareholders’ Equity $ 15.97 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 1.89 million
Total Interest Expense $ 0.36 million
Net interest income $ 1.53 million
Provision for loan and lease losses $ 0.05 million
Total non interest income $ 0.31 million
Total non interest expense $ 1.33 million
Pre-tax Net Operating Income $ 0.45 million

Bank Loan Profile?

The top three loan types in Texas Hill Country Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, Texas Hill Country Bank’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 22.58
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.46
Small Business Loans 0.00
Construction and Development Loans 13.08
Commercial Real Estate 33.93
Commercial and Industrial Loans 20.31
Farm Loans 0.34

Frequently Asked Questions About Texas Hill Country Bank

Branches and Savings

Is Texas Hill Country Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58932.

Why does Texas Hill Country Bank pay such low interest on savings accounts?

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

Why are Texas Hill Country Bank CD rates not competitive?

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

Is Texas Hill Country Bank a commercial bank?

Yes

Where are Texas Hill Country Bank locations?

See branch locations nearby.

Is Texas Hill Country Bank open on Saturdays?

Is Texas Hill Country Bank open on Sundays?

What time does Texas Hill Country Bank open?

What time does Texas Hill Country Bank close?

Are Texas Hill Country Bank ATMs Open 24/7?

Do Texas Hill Country Bank ATMs accept cash deposits?

Can Texas Hill Country Bank customers use other ATMs?

Do Texas Hill Country Bank branches have notaries?

Will Texas Hill Country Bank notarize my document?

What address for Texas Hill Country Bank should I put for incoming ACH transfers?

Will the Texas Hill Country Bank branch print checks?

Do Texas Hill Country Bank checks expire?

Does Texas Hill Country Bank require US citizenship to open account?

Can Texas Hill Country Bank close my account?

Does Texas Hill Country Bank Report to credit bureaus?

Does Texas Hill Country Bank Use Equifax?

What is Texas Hill Country Bank's ACH Routing Number?

What is Texas Hill Country Bank's SWIFT code?

Products

Does Texas Hill Country Bank offer mortgages?

Compare mortgage rates here.

Does Texas Hill Country Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Texas Hill Country Bank offer personal loans?

Compare personal loan rates here.

Does Texas Hill Country Bank offer student loans?

Will Texas Hill Country Bank cash a check?

Will Texas Hill Country Bank redeem a savings bond?

Does Texas Hill Country Bank cash savings bonds?

Will Texas Hill Country Bank cash money orders?

Can Texas Hill Country Bank issue a money order?

Does Texas Hill Country Bank do currency exchange?

Background on The Bank

Who owns Texas Hill Country Bank?

How long has Texas Hill Country Bank been around?

Can Texas Hill Country Bank transfer to other banks?

Does Texas Hill Country Bank have quick pay?

Does Texas Hill Country Bank accept rolled coins?

Will Texas Hill Country Bank accept loose change?

Where is Texas Hill Country Bank headquarters?

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