2024 Overview
General Bank Information
The Bank of River Oaks is an FDIC insured institution located in Houston, TX. It was founded in 2005 and has approximately $0.44 billion in assets. Customers can open an account at one of its 3 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 58142 |
| Date Established | 2005 |
| Assets | $ 451.91 million |
| Loans | $ 338.57 million |
| Deposits | $ 369.33 million |
| Capital | $ 48.89 million |
For a more detailed analysis of The Bank of River Oaks's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - April 23, 2024
Your Current Location: Ohio, OH 43085
Loan Rates - April 23, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for The Bank of River Oaks
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Monthly Payment |
Learn More |
|---|---|---|---|---|
NMLS ID: 2059741 |
6.994% |
6.875% 0.63 points $3,885 fees |
$2,103 | Learn More |
NMLS ID: 3029 |
7.111% |
6.990% 0.75 points $4,070 fees |
$2,127 | Learn More |
NMLS ID: 3030 |
7.451% |
7.375% 0.75 points $2,400 fees |
$2,211 | Learn More |
NMLS ID: 491986 |
points fees |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to The Bank of River Oaks
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
The Bank of River Oaks 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:
Columbus,Ohio
Climate Policy and Initiatives
The Bank of River Oaks is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
Add Your Review
or use your BestCashCow account
or
Financial Details
The Bank of River Oaks Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of The Bank of River Oaks. 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
| The Bank of River Oaks | U.S. Bank Average |
|---|---|
| 1.09% | 3.96% |
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 December 31, 2024, The Bank of River Oaks had $574,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $48,889,000 in equity and $3,818,000 in loans loss reserves. That gives it a Texas Ratio of 1.09%.
Return on Equity
| The Bank of River Oaks | U.S. Bank Average |
|---|---|
| 14.05% | 12.20% |
The Bank of River Oaks has a Return on Equity of 14.05% versus the BestCashCow average of 12.20%. 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
| The Bank of River Oaks | U.S. Bank Average |
|---|---|
| 10.82% | 10.76% |
The Bank of River Oaks has a Capitalization of 10.82% versus the BestCashCow average of 10.76. 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.
The Bank of River Oaks Balance Sheet Analysis
As of June 30, 2018, The Bank of River Oaks had assets of $437,746,000, loans of $338,574,000, and deposits of $369,331,000. 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, 2024| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 24.41 million |
| Interest-bearing balances | $ 19.63 million |
| Total securities | $ 61.33 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 338.57 million |
| Loan loss allowance | $ 3.82 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 | $ 10.54 million |
| Total Assets | $ 388.86 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 369.33 million |
| Interest-bearing deposits | $ 233.48 million |
| Deposits held in domestic offices | $ 369.33 million |
| % insured (estimated) | 65.67% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 18.00 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 1.53 million |
| Total Liabilities | $ 388.86 million |
| Shareholders’ Equity | $ 63.05 million |
Summary Income Statement
December 31, 2024| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 9.36 million |
| Total Interest Expense | $ 0.63 million |
| Net interest income | $ 8.74 million |
| Provision for loan and lease losses | N.A. |
| Total non interest income | $ 0.28 million |
| Total non interest expense | $ 4.93 million |
| Pre-tax Net Operating Income | $ 4.09 million |
Bank Loan Profile?
The top three loan types in The Bank of River Oaks’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.
Compared to other banks in Texas, The Bank of River Oaks has a significantly higher percent of Commercial and Industrial 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.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 17.26 | ✓ | ||
| Multifamily Mortgages |
1.55 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 0.04 | ✓ | ||
| Small Business Loans | 6.58 | ✓ | ||
| Construction and Development Loans | 11.34 | ✓ | ||
| Commercial Real Estate | 36.87 | ✓ | ||
| Commercial and Industrial Loans | 31.12 | ✓ | ||
| Farm Loans | 0.00 | ✓ | ||
Customer Reviews for The Bank of River Oaks
Gladys House
February 7, 2016
The Bank of River Oaks does not reinvest in the disadvantaged neighborhood of historic Freedman's Town/Fourth Ward, Houston, Texas, that is located only less than three miles east of the said bank. Year after year The Bank of River Oaks merely says it just will not meet or fund any of the youth center projects presented by the nonprofit. In 2015 during the early Spring, a group of Moors representing various neighborhoods in Houston, Texas paid a surprise visit to the said bank, and while the president of the said bank eased out and allowed his executive vice president meet with us, she pretended to be clueless as to why our proposals year after year denied but encouraged re-submittal. Rejection came so swiftly after the re-submittal that we phoned her. Research later disclosed why regulators have not sanctioned the said bank for non-compliance with the CRA: a racket that allows banks to be a member in return for CRA credit that really does not reinvest in disadvantaged neighborhoods but major corporations with bankers and regulators as its board. Serious conflict of interest. Why isn't the national media on this?
Is this review helpful? Yes:0 / No: 0
Add Your Review
or use your BestCashCow account