The Fauquier Bank

10 Court House Square
Warrenton, VA 20186

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 6923
Date Established 1902
Assets $0.65 billion
Loans $0.51 billion
Deposits $0.57 billion
Capital $0.06 billion

The Fauquier Bank is an FDIC insured institution located in Warrenton, VA. It was founded in 1902 and has approximately $0.65 billion in assets. Customers can open an account at one of its 11 branches.

For a more detailed analysis of The Fauquier 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 The Fauquier Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks, The Fauquier 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 46.69
Multifamily
Mortgages
0.10
Credit Card Loans 0.13
Consumer Auto Loans 0.16
Small Business Loans 7.36
Construction and Development Loans 9.97
Commercial Real Estate 35.18
Commercial and Industrial Loans 5.68
Farm Loans 0.00

Deposit Rates - December 9, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.40% $500 $25,000 Learn MoreShow Less
Money Market
0.50% $25,001 $50,000 Learn MoreShow Less
CD Rates APY MIN MAX
6 Mo CD
1.00% $500 - Learn MoreShow Less
12 Mo CD
1.45% $500 - Learn MoreShow Less
Special: 17 Mo CD
1.95% $5,000 - Learn MoreShow Less
24 Mo CD
1.90% $500 - Learn MoreShow Less
Special: 29 Mo CD
2.30% $5,000 - Learn MoreShow Less
36 Mo CD
2.10% $500 - Learn MoreShow Less
Special: 41 Mo CD
2.45% $5,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.45% $500 - Learn MoreShow Less
Special: 17 Mo FIRA
1.95% $5,000 - Learn MoreShow Less
Special: 29 Mo FIRA
2.30% $5,000 - Learn MoreShow Less
Special: 41 Mo FIRA
2.45% $5,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.20% $1 $25,000 Learn MoreShow Less

Loan Rates - December 9, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for The Fauquier 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
Payment
Learn More
HSBC Bank USA N.A.
NMLS ID: 399799
4.816% 4.750% 0.25 $2,006 $1,305 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.375% 5.375% 0.00 $0 $1,400 Learn More
Rocket Mortgage
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More

Note to The Fauquier Bank
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Branches

The Fauquier 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:
Ashburn,Virginia


The Fauquier Bank Locations

Financial Details

The Fauquier Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Fauquier 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 Fauquier Bank U.S. Bank Average
8.64% 7.92%

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 June 30, 2018, The Fauquier Bank had $4,327,000 in non-current loans and $1,356,000 in owned real estate. To cover these potential losses it had $60,829,000 in equity and $4,978,000 in loans loss reserves. That gives it a Texas Ratio of 8.64%.

Return on Equity
The Fauquier Bank U.S. Bank Average
11.73% 9.77%

The Fauquier Bank has a Return on Equity of 11.73% versus the BestCashCow average of 9.77%. 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 Fauquier Bank U.S. Bank Average
9.35% 12.31%

The Fauquier Bank has a Capitalization of 9.35% versus the BestCashCow average of 12.31. 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 Fauquier Bank Balance Sheet Analysis

As of June 30, 2018, The Fauquier Bank had assets of $650,790,000, loans of $505,975,000, and deposits of $566,145,000. 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

June 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.01 billion
Total securities $0.07 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.51 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 $0.03 billion
     Total Assets $0.59 billion
LIABILITIES
Total deposits $0.57 billion
      Interest-bearing deposits $0.45 billion
      Deposits held in domestic offices $0.57 billion
      % insured (estimated) 81.11%
Federal funds purchased and repurchase agreements $0.01 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.59 billion
      Shareholders’ Equity $0.06 billion

Summary Income Statement

June 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About The Fauquier Bank

Branches and Savings

Is The Fauquier Bank FDIC insured?

Yes. It is covered under FDIC Certificate #6923.

Why does The Fauquier 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 Fauquier Bank CD rates not competitive?

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

Is The Fauquier Bank a commercial bank?

Yes

Where are The Fauquier Bank locations?

See branch locations nearby.

Is The Fauquier Bank open on Saturdays?

Is The Fauquier Bank open on Sundays?

What time does The Fauquier Bank open?

What time does The Fauquier Bank close?

Are The Fauquier Bank ATMs Open 24/7?

Do The Fauquier Bank ATMs accept cash deposits?

Can The Fauquier Bank customers use other ATMs?

Do The Fauquier Bank branches have notaries?

Will The Fauquier Bank notarize my document?

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

Will the The Fauquier Bank branch print checks?

Do The Fauquier Bank checks expire?

Does The Fauquier Bank require US citizenship to open account?

Can The Fauquier Bank close my account?

Does The Fauquier Bank Report to credit bureaus?

Does The Fauquier Bank Use Equifax?

What is The Fauquier Bank's ACH Routing Number?

What is The Fauquier Bank's SWIFT code?

Products

Does The Fauquier Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does The Fauquier Bank offer personal loans?

Compare personal loan rates here.

Does The Fauquier Bank offer student loans?

Will The Fauquier Bank cash a check?

Will The Fauquier Bank redeem a savings bond?

Does The Fauquier Bank cash savings bonds?

Will The Fauquier Bank cash money orders?

Can The Fauquier Bank issue a money order?

Does The Fauquier Bank do currency exchange?

Background on The Bank

Who owns The Fauquier Bank?

How long has The Fauquier Bank been around?

Can The Fauquier Bank transfer to other banks?

Does The Fauquier Bank have quick pay?

Does The Fauquier Bank accept rolled coins?

Will The Fauquier Bank accept loose change?

Where is The Fauquier Bank headquarters?

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*All images, logos and public notes on this page appear courtesy of The Fauquier Bank and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.