Civis Bank

210 East Main Street
Rogersville, TN 37857

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 9499
Date Established 1906
Assets $0.11 billion
Loans $0.07 billion
Deposits $0.10 billion
Capital $0.00 billion

Civis Bank is an FDIC insured institution located in Rogersville, TN. It was founded in 1906 and has approximately $0.11 billion in assets. Customers can open an account at one of its 4 branches.

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

Compared to other banks, Civis 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 44.77
Multifamily
Mortgages
3.16
Credit Card Loans 0.00
Consumer Auto Loans 0.44
Small Business Loans 0.00
Construction and Development Loans 4.17
Commercial Real Estate 37.66
Commercial and Industrial Loans 5.69
Farm Loans 0.13

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.23% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.20% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.35% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.50% $100 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.20% $1,250 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.10% $500 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

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Branches

Civis 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:
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Civis Bank Locations

Financial Details

Civis Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Civis 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
Civis Bank U.S. Bank Average
167.81% 8.87%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of March 31, 2017, Civis Bank had $3,389,000 in non-current loans and $4,884,000 in owned real estate. To cover these potential losses it had $4,048,000 in equity and $882,000 in loans loss reserves. That gives it a Texas Ratio of 167.81%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Civis Bank U.S. Bank Average
2.68% 8.39%

Civis Bank has a Return on Equity of 2.68% versus the BestCashCow average of 8.39%. 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
Civis Bank U.S. Bank Average
3.81% 11.94%

Civis Bank has a Capitalization of 3.81% versus the BestCashCow average of 11.94%. 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.

Civis Bank Balance Sheet Analysis

As of March 31, 2017, Civis Bank had assets of $106,265,000, loans of $68,961,000, and deposits of $100,231,000. 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.

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