The First National Bank of Brownstown

108 East Main Street
Brownstown, IL 62418

Notable Rates APY Vs.Others
Savings 0.25% 2.30% →
1-Year CD 0.85% 2.25% →
2-Year CD 2.31% 2.50% →
5-Year CD 1.76% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

The First National Bank of Brownstown is an FDIC insured institution located in Brownstown, IL. It was founded in 1913 and has approximately $0.04 billion in assets.

FDIC Insured Yes
FDIC Certificate # 3770
Date Established 1913
Assets $0.04 billion
Loans $0.02 billion
Deposits $0.03 billion
Capital $0.00 billion
 

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

Deposit Rates - December 8, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1,500 $9,999 Learn MoreShow Less
Money Market
0.15% $10,000 $24,999 Learn MoreShow Less
Money Market
0.20% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.45% $1,000 - Learn MoreShow Less
6 Mo CD
0.50% $1,000 - Learn MoreShow Less
12 Mo CD
0.85% $1,000 - Learn MoreShow Less
18 Mo CD
1.35% $1,000 - Learn MoreShow Less
24 Mo CD
2.31% $1,000 - Learn MoreShow Less
30 Mo CD
1.25% $1,000 - Learn MoreShow Less
36 Mo CD
1.30% $1,000 - Learn MoreShow Less
48 Mo CD
2.57% $1,000 - Learn MoreShow Less
60 Mo CD
1.76% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.85% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $750 $4,999 Learn MoreShow Less

Loan Rates - December 8, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for The First National Bank of Brownstown

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.625% 3.625% 0.00 ($65) $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to The First National Bank of Brownstown
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Branches

The First National Bank of Brownstown 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 First National Bank of Brownstown Locations


Financial Details

The First National Bank of Brownstown Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The First National Bank of Brownstown. 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 First National Bank of Brownstown U.S. Bank Average
8.18% 6.77%

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, 2019, The First National Bank of Brownstown had $365,000 in non-current loans and $29,000 in owned real estate. To cover these potential losses it had $4,431,000 in equity and $383,000 in loans loss reserves. That gives it a Texas Ratio of 8.18%.

Return on Equity
The First National Bank of Brownstown U.S. Bank Average
7.41% 9.50%

The First National Bank of Brownstown has a Return on Equity of 7.41% versus the BestCashCow average of 9.50%. 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 First National Bank of Brownstown U.S. Bank Average
11.44% 12.76%

The First National Bank of Brownstown has a Capitalization of 11.44% versus the BestCashCow average of 12.76. 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 First National Bank of Brownstown Balance Sheet Analysis

As of June 30, 2019, The First National Bank of Brownstown had assets of $38,727,000, loans of $18,863,000, and deposits of $33,961,000. 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, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.02 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 $0.00 billion
     Total Assets $0.03 billion
LIABILITIES
Total deposits $0.03 billion
      Interest-bearing deposits $0.03 billion
      Deposits held in domestic offices $0.03 billion
      % insured (estimated) 88.05%
Federal funds purchased and repurchase agreements $0.00 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 $0.03 billion
      Shareholders’ Equity $0.00 billion

Summary Income Statement

June 30, 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 First National Bank of Brownstown’s loan portfolio are 1-4 Family Residential Loans, Small Business Loans, and Commercial Real Estate.

Compared to other banks, The First National Bank of Brownstown’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 35.07
Multifamily
Mortgages
0.30
Credit Card Loans 0.00
Consumer Auto Loans 4.93
Small Business Loans 11.18
Construction and Development Loans 0.69
Commercial Real Estate 11.18
Commercial and Industrial Loans 10.42
Farm Loans 4.65

Frequently Asked Questions About The First National Bank Of Brownstown

Branches and Savings

Is The First National Bank Of Brownstown FDIC insured?

Yes. It is covered under FDIC Certificate #3770.

Why does The First National Bank Of Brownstown pay such low interest on savings accounts?

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

Why are The First National Bank Of Brownstown CD rates not competitive?

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

Is The First National Bank Of Brownstown a commercial bank?

Yes

Where are The First National Bank Of Brownstown locations?

See branch locations nearby.

Is The First National Bank Of Brownstown open on Saturdays?

Is The First National Bank Of Brownstown open on Sundays?

What time does The First National Bank Of Brownstown open?

What time does The First National Bank Of Brownstown close?

Are The First National Bank Of Brownstown ATMs Open 24/7?

Do The First National Bank Of Brownstown ATMs accept cash deposits?

Can The First National Bank Of Brownstown customers use other ATMs?

Do The First National Bank Of Brownstown branches have notaries?

Will The First National Bank Of Brownstown notarize my document?

What address for The First National Bank Of Brownstown should I put for incoming ACH transfers?

Will the The First National Bank Of Brownstown branch print checks?

Do The First National Bank Of Brownstown checks expire?

Does The First National Bank Of Brownstown require US citizenship to open account?

Can The First National Bank Of Brownstown close my account?

Does The First National Bank Of Brownstown Report to credit bureaus?

Does The First National Bank Of Brownstown Use Equifax?

What is The First National Bank Of Brownstown's ACH Routing Number?

What is The First National Bank Of Brownstown's SWIFT code?

Products

Does The First National Bank Of Brownstown offer mortgages?

Compare mortgage rates here.

Does The First National Bank Of Brownstown offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The First National Bank Of Brownstown offer personal loans?

Compare personal loan rates here.

Does The First National Bank Of Brownstown offer student loans?

Will The First National Bank Of Brownstown cash a check?

Will The First National Bank Of Brownstown redeem a savings bond?

Does The First National Bank Of Brownstown cash savings bonds?

Will The First National Bank Of Brownstown cash money orders?

Can The First National Bank Of Brownstown issue a money order?

Does The First National Bank Of Brownstown do currency exchange?

Background on The Bank

Who owns The First National Bank Of Brownstown?

How long has The First National Bank Of Brownstown been around?

Can The First National Bank Of Brownstown transfer to other banks?

Does The First National Bank Of Brownstown have quick pay?

Does The First National Bank Of Brownstown accept rolled coins?

Will The First National Bank Of Brownstown accept loose change?

Where is The First National Bank Of Brownstown headquarters?

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