Civis Bank

210 East Main Street
Rogersville, TN 37857


General Bank Information

FDIC Insured Yes
FDIC Certificate # 9499
Date Established 1906
Assets $0.10 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 $0.1 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 45.54
Credit Card Loans 0.00
Consumer Auto Loans 0.54
Small Business Loans 0.00
Construction and Development Loans 3.75
Commercial Real Estate 37.32
Commercial and Industrial Loans 5.90
Farm Loans 0.15

Deposit Rates

Your Current Location: Virginia, VA 20146

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 0K
0.35% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.50% $100 - Learn MoreShow Less
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

There are currently no loan rates available for Civis Bank

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
Learn More
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
4.125% 4.125% 0.00 $0 $1,212 Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
3.911% 3.875% 0.00 $1,194 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.490% $224.24 Learn More
Flagstar Bank 5.240% $275.79 Learn More

Note to Civis Bank
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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.

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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 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
134.1% 8.32%

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 September 30, 2017, Civis Bank had $1,982,000 in non-current loans and $4,542,000 in owned real estate. To cover these potential losses it had $3,991,000 in equity and $874,000 in loans loss reserves. That gives it a Texas Ratio of 134.1%.

Return on Equity
Civis Bank U.S. Bank Average
-0.89% 8.84%

Civis Bank has a Return on Equity of -0.89% versus the BestCashCow average of 8.84%. 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.

Civis Bank U.S. Bank Average
3.89% 12.21%

Civis Bank has a Capitalization of 3.89% versus the BestCashCow average of 12.21. 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 September 30, 2017, Civis Bank had assets of $102,482,000, loans of $67,086,000, and deposits of $96,403,000. 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.

Frequently Asked Questions About Civis Bank

Branches and Savings

Is Civis Bank FDIC insured?

Yes. It is covered under FDIC Certificate #9499.

Why does Civis Bank pay such low interest on savings accounts?

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

Why are Civis Bank CD rates not competitive?

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

Is Civis Bank a commercial bank?


Where are Civis Bank locations?

See branch locations nearby.

Is Civis Bank open on Saturdays?

Is Civis Bank open on Sundays?

What time does Civis Bank open?

What time does Civis Bank close?

Are Civis Bank ATMs Open 24/7?

Do Civis Bank ATMs accept cash deposits?

Can Civis Bank customers use other ATMs?

Do Civis Bank branches have notaries?

Will Civis Bank notarize my document?

What address for Civis Bank should I put for incoming ACH transfers?

Will the Civis Bank branch print checks?

Do Civis Bank checks expire?

Does Civis Bank require US citizenship to open account?

Can Civis Bank close my account?

Does Civis Bank Report to credit bureaus?

Does Civis Bank Use Equifax?

What is Civis Bank's ACH Routing Number?

What is Civis Bank's SWIFT code?


Does Civis Bank offer mortgages?

Compare mortgage rates here.

Does Civis Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Civis Bank offer personal loans?

Compare personal loan rates here.

Does Civis Bank offer student loans?

Will Civis Bank cash a check?

Will Civis Bank redeem a savings bond?

Does Civis Bank cash savings bonds?

Will Civis Bank cash money orders?

Can Civis Bank issue a money order?

Does Civis Bank do currency exchange?

Background on The Bank

Who owns Civis Bank?

How long has Civis Bank been around?

Can Civis Bank transfer to other banks?

Does Civis Bank have quick pay?

Does Civis Bank accept rolled coins?

Will Civis Bank accept loose change?

Where is Civis Bank headquarters?

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