The Callaway Bank

5 East Fifth Street
Fulton, MO 65251

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 12223
Date Established 1857
Assets $0.37 billion
Loans $0.28 billion
Deposits $0.31 billion
Capital $0.04 billion

The Callaway Bank is an FDIC insured institution located in Fulton, MO. It was founded in 1857 and has approximately $0.37 billion in assets. Customers can open an account at one of its 9 branches.

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

Deposit Rates - August 19, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.07% $1,000 $49,999 Learn MoreShow Less
Premium Money Market Account
0.10% $1 $74,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.15% $10,000 $49,999 Learn MoreShow Less
3 Mo CD
0.15% $100,000 - Learn MoreShow Less
0.50% $10,000 $49,999 Learn MoreShow Less
6 Mo CD
0.50% $100,000 - Learn MoreShow Less
Special: 9 Mo CD
2.01% $10,000 $49,999 Learn MoreShow Less
Special: 9 Mo CD
2.10% $50,000 $99,999 Learn MoreShow Less
1.80% $10,000 $49,999 Learn MoreShow Less
12 Mo CD
1.90% $100,000 - Learn MoreShow Less
1.90% $10,000 $49,999 Learn MoreShow Less
24 Mo CD
2.01% $100,000 - Learn MoreShow Less
1.90% $10,000 $49,999 Learn MoreShow Less
36 Mo CD
2.01% $100,000 - Learn MoreShow Less
1.95% $10,000 $49,999 Learn MoreShow Less
48 Mo CD
2.21% $100,000 - Learn MoreShow Less
1.95% $10,000 $49,999 Learn MoreShow Less
60 Mo CD
2.21% $100,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
1.85% $500 $9,999 Learn MoreShow Less
Special: 9 Mo FIRA
2.01% $500 $9,999 Learn MoreShow Less
Special: 9 Mo FIRA
2.10% $50,000 $99,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.07% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.07% $1,000 $2,499 Learn MoreShow Less
Int Ckg
0.07% $2,500 - Learn MoreShow Less

Loan Rates - August 19, 2019

Your Current Location: Connecticut, CT 06828

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

The Callaway 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


The Callaway Bank Locations


Financial Details

The Callaway Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Callaway 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
The Callaway Bank U.S. Bank Average
10.46% 6.94%

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, 2019, The Callaway Bank had $729,000 in non-current loans and $3,323,000 in owned real estate. To cover these potential losses it had $35,825,000 in equity and $2,929,000 in loans loss reserves. That gives it a Texas Ratio of 10.46%.

Return on Equity
The Callaway Bank U.S. Bank Average
4.87% 9.47%

The Callaway Bank has a Return on Equity of 4.87% versus the BestCashCow average of 9.47%. 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 Callaway Bank U.S. Bank Average
9.81% 12.49%

The Callaway Bank has a Capitalization of 9.81% versus the BestCashCow average of 12.49. 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 Callaway Bank Balance Sheet Analysis

As of March 31, 2019, The Callaway Bank had assets of $365,158,000, loans of $284,558,000, and deposits of $306,690,000. 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, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.05 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.28 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 $0.33 billion
LIABILITIES
Total deposits $0.31 billion
      Interest-bearing deposits $0.23 billion
      Deposits held in domestic offices $0.31 billion
      % insured (estimated) 79.26%
Federal funds purchased and repurchase agreements $0.02 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 $0.33 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

March 31, 2019
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

Bank Loan Profile?

The top three loan types in The Callaway Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks, The Callaway 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 30.99
Multifamily
Mortgages
2.05
Credit Card Loans 0.11
Consumer Auto Loans 0.97
Small Business Loans 0.00
Construction and Development Loans 10.89
Commercial Real Estate 24.87
Commercial and Industrial Loans 9.40
Farm Loans 4.53

Frequently Asked Questions About The Callaway Bank

Branches and Savings

Is The Callaway Bank FDIC insured?

Yes. It is covered under FDIC Certificate #12223.

Why does The Callaway Bank pay such low interest on savings accounts?

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

Why are The Callaway Bank CD rates not competitive?

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

Is The Callaway Bank a commercial bank?

Yes

Where are The Callaway Bank locations?

See branch locations nearby.

Is The Callaway Bank open on Saturdays?

Is The Callaway Bank open on Sundays?

What time does The Callaway Bank open?

What time does The Callaway Bank close?

Are The Callaway Bank ATMs Open 24/7?

Do The Callaway Bank ATMs accept cash deposits?

Can The Callaway Bank customers use other ATMs?

Do The Callaway Bank branches have notaries?

Will The Callaway Bank notarize my document?

What address for The Callaway Bank should I put for incoming ACH transfers?

Will the The Callaway Bank branch print checks?

Do The Callaway Bank checks expire?

Does The Callaway Bank require US citizenship to open account?

Can The Callaway Bank close my account?

Does The Callaway Bank Report to credit bureaus?

Does The Callaway Bank Use Equifax?

What is The Callaway Bank's ACH Routing Number?

What is The Callaway Bank's SWIFT code?

Products

Does The Callaway Bank offer mortgages?

Compare mortgage rates here.

Does The Callaway Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The Callaway Bank offer personal loans?

Compare personal loan rates here.

Does The Callaway Bank offer student loans?

Will The Callaway Bank cash a check?

Will The Callaway Bank redeem a savings bond?

Does The Callaway Bank cash savings bonds?

Will The Callaway Bank cash money orders?

Can The Callaway Bank issue a money order?

Does The Callaway Bank do currency exchange?

Background on The Bank

Who owns The Callaway Bank?

How long has The Callaway Bank been around?

Can The Callaway Bank transfer to other banks?

Does The Callaway Bank have quick pay?

Does The Callaway Bank accept rolled coins?

Will The Callaway Bank accept loose change?

Where is The Callaway Bank headquarters?

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