The Citizens State Bank of Finley

300 Central Avenue
Finley, ND 58230

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 16187
Date Established 1935
Assets $0.13 billion
Loans $0.08 billion
Deposits $0.09 billion
Capital $0.02 billion

The Citizens State Bank of Finley is an FDIC insured institution located in Finley, ND. It was founded in 1935 and has approximately $0.13 billion in assets. Customers can open an account at one of its 3 branches.

For a more detailed analysis of The Citizens State Bank of Finley'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 The Citizens State Bank of Finley’s loan portfolio are Farm Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in North Dakota, The Citizens State Bank of Finley has a significantly higher percent of Farm 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 1.71
Multifamily
Mortgages
0.00
Credit Card Loans 0.17
Consumer Auto Loans 0.96
Small Business Loans 0.00
Construction and Development Loans 0.50
Commercial Real Estate 8.49
Commercial and Industrial Loans 7.33
Farm Loans 54.93

Deposit Rates - March 22, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.15% $2,500 $9,999 Learn MoreShow Less
Money Market
0.20% $10,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.75% $1,000 - Learn MoreShow Less
6 Mo CD
1.25% $500 - Learn MoreShow Less
12 Mo CD
1.50% $500 - Learn MoreShow Less
Special: 18 Mo CD
2.86% $5,000 - Learn MoreShow Less
24 Mo CD
1.75% $500 - Learn MoreShow Less
36 Mo CD
2.00% $500 - Learn MoreShow Less
60 Mo CD
2.50% $500 - Learn MoreShow Less

Variable IRA Rates APY MIN MAX
1.76% $1 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1,000 - Learn MoreShow Less

Loan Rates - March 22, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for The Citizens State Bank of Finley

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 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.560% 4.560% 0.00 $0 $1,276 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info

Note to The Citizens State Bank of Finley
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Branches

The Citizens State Bank of Finley 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:
Ashburn,Virginia


The Citizens State Bank of Finley Locations


Financial Details

The Citizens State Bank of Finley Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Citizens State Bank of Finley. 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 Citizens State Bank of Finley U.S. Bank Average
0.11% 7.34%

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, 2018, The Citizens State Bank of Finley had $19,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $15,149,000 in equity and $1,386,000 in loans loss reserves. That gives it a Texas Ratio of 0.11%.

Return on Equity
The Citizens State Bank of Finley U.S. Bank Average
9.52% 9.95%

The Citizens State Bank of Finley has a Return on Equity of 9.52% versus the BestCashCow average of 9.95%. 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 Citizens State Bank of Finley U.S. Bank Average
11.23% 12.19%

The Citizens State Bank of Finley has a Capitalization of 11.23% versus the BestCashCow average of 12.19. 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 Citizens State Bank of Finley Balance Sheet Analysis

As of September 30, 2018, The Citizens State Bank of Finley had assets of $134,876,000, loans of $84,663,000, and deposits of $90,969,000. 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

September 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.04 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.08 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 $0.12 billion
LIABILITIES
Total deposits $0.09 billion
      Interest-bearing deposits $0.07 billion
      Deposits held in domestic offices $0.09 billion
      % insured (estimated) 77.09%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.03 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.12 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

September 30, 2018
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

Frequently Asked Questions About The Citizens State Bank Of Finley

Branches and Savings

Is The Citizens State Bank Of Finley FDIC insured?

Yes. It is covered under FDIC Certificate #16187.

Why does The Citizens State Bank Of Finley pay such low interest on savings accounts?

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

Why are The Citizens State Bank Of Finley CD rates not competitive?

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

Is The Citizens State Bank Of Finley a commercial bank?

Yes

Where are The Citizens State Bank Of Finley locations?

See branch locations nearby.

Is The Citizens State Bank Of Finley open on Saturdays?

Is The Citizens State Bank Of Finley open on Sundays?

What time does The Citizens State Bank Of Finley open?

What time does The Citizens State Bank Of Finley close?

Are The Citizens State Bank Of Finley ATMs Open 24/7?

Do The Citizens State Bank Of Finley ATMs accept cash deposits?

Can The Citizens State Bank Of Finley customers use other ATMs?

Do The Citizens State Bank Of Finley branches have notaries?

Will The Citizens State Bank Of Finley notarize my document?

What address for The Citizens State Bank Of Finley should I put for incoming ACH transfers?

Will the The Citizens State Bank Of Finley branch print checks?

Do The Citizens State Bank Of Finley checks expire?

Does The Citizens State Bank Of Finley require US citizenship to open account?

Can The Citizens State Bank Of Finley close my account?

Does The Citizens State Bank Of Finley Report to credit bureaus?

Does The Citizens State Bank Of Finley Use Equifax?

What is The Citizens State Bank Of Finley's ACH Routing Number?

What is The Citizens State Bank Of Finley's SWIFT code?

Products

Does The Citizens State Bank Of Finley offer mortgages?

Compare mortgage rates here.

Does The Citizens State Bank Of Finley offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The Citizens State Bank Of Finley offer personal loans?

Compare personal loan rates here.

Does The Citizens State Bank Of Finley offer student loans?

Will The Citizens State Bank Of Finley cash a check?

Will The Citizens State Bank Of Finley redeem a savings bond?

Does The Citizens State Bank Of Finley cash savings bonds?

Will The Citizens State Bank Of Finley cash money orders?

Can The Citizens State Bank Of Finley issue a money order?

Does The Citizens State Bank Of Finley do currency exchange?

Background on The Bank

Who owns The Citizens State Bank Of Finley?

How long has The Citizens State Bank Of Finley been around?

Can The Citizens State Bank Of Finley transfer to other banks?

Does The Citizens State Bank Of Finley have quick pay?

Does The Citizens State Bank Of Finley accept rolled coins?

Will The Citizens State Bank Of Finley accept loose change?

Where is The Citizens State Bank Of Finley headquarters?

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