The First State Bank of Arcadia

40o North Brevard Avenue
Arcadia, FL 34266

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 21163
Date Established 1973
Assets $0.14 billion
Loans $0.07 billion
Deposits $0.12 billion
Capital $0.02 billion

The First State Bank of Arcadia is an FDIC insured institution located in Arcadia, FL. It was founded in 1973 and has approximately $0.14 billion in assets. Customers can open an account at one of its 3 branches.

For a more detailed analysis of The First State Bank of Arcadia'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 First State Bank of Arcadia’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Florida, The First State Bank of Arcadia has a significantly higher percent of Small Business 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 42.64
Multifamily
Mortgages
1.70
Credit Card Loans 0.00
Consumer Auto Loans 1.09
Small Business Loans 24.62
Construction and Development Loans 6.34
Commercial Real Estate 34.82
Commercial and Industrial Loans 3.39
Farm Loans 0.23

Deposit Rates - February 16, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.06% $2,500 - Learn MoreShow Less
CD Rates APY MIN MAX
0.10% $2,500 $99,999 Learn MoreShow Less
0.20% $500 $99,999 Learn MoreShow Less
0.25% $500 $99,999 Learn MoreShow Less
0.35% $500 $99,999 Learn MoreShow Less
0.50% $500 $99,999 Learn MoreShow Less
0.75% $500 $99,999 Learn MoreShow Less
1.00% $500 $99,999 Learn MoreShow Less
1.25% $500 $99,999 Learn MoreShow Less
1.50% $500 $99,999 Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.30% $500 - Learn MoreShow Less
Special: 12 Mo FIRA
0.30% $500 - Learn MoreShow Less
Special: 18 Mo FIRA
0.30% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 - Learn MoreShow Less

Loan Rates - February 16, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for The First State Bank of Arcadia

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

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More
Rocket Mortgage
NMLS ID: 3030
4.750% 4.750% 0.00 $0 $1,305 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Loan Plus
Figure Home Equity Loan Plus
8.000 %
N/A Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Flagstar Bank
Flagstar Bank
Intro APR
3.490 %
After Intro: 6.240 %
Intro Period: 6 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to The First State Bank of Arcadia
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

The First State Bank of Arcadia 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:
Seattle,Washington


The First State Bank of Arcadia Locations

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Financial Details

The First State Bank of Arcadia Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The First State Bank of Arcadia. 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 State Bank of Arcadia U.S. Bank Average
10.51% 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 First State Bank of Arcadia had $2,047,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $16,576,000 in equity and $2,902,000 in loans loss reserves. That gives it a Texas Ratio of 10.51%.

Return on Equity
The First State Bank of Arcadia U.S. Bank Average
11.17% 9.95%

The First State Bank of Arcadia has a Return on Equity of 11.17% 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 First State Bank of Arcadia U.S. Bank Average
11.7% 12.19%

The First State Bank of Arcadia has a Capitalization of 11.7% 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 First State Bank of Arcadia Balance Sheet Analysis

As of September 30, 2018, The First State Bank of Arcadia had assets of $141,718,000, loans of $74,996,000, and deposits of $124,462,000. 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 $0.03 billion
Interest-bearing balances $0.02 billion
Total securities $0.04 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.07 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 $0.13 billion
LIABILITIES
Total deposits $0.12 billion
      Interest-bearing deposits $0.08 billion
      Deposits held in domestic offices $0.12 billion
      % insured (estimated) 75.08%
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 $0.13 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 First State Bank Of Arcadia

Branches and Savings

Is The First State Bank Of Arcadia FDIC insured?

Yes. It is covered under FDIC Certificate #21163.

Why does The First State Bank Of Arcadia 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 State Bank Of Arcadia CD rates not competitive?

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

Is The First State Bank Of Arcadia a commercial bank?

Yes

Where are The First State Bank Of Arcadia locations?

See branch locations nearby.

Is The First State Bank Of Arcadia open on Saturdays?

Is The First State Bank Of Arcadia open on Sundays?

What time does The First State Bank Of Arcadia open?

What time does The First State Bank Of Arcadia close?

Are The First State Bank Of Arcadia ATMs Open 24/7?

Do The First State Bank Of Arcadia ATMs accept cash deposits?

Can The First State Bank Of Arcadia customers use other ATMs?

Do The First State Bank Of Arcadia branches have notaries?

Will The First State Bank Of Arcadia notarize my document?

What address for The First State Bank Of Arcadia should I put for incoming ACH transfers?

Will the The First State Bank Of Arcadia branch print checks?

Do The First State Bank Of Arcadia checks expire?

Does The First State Bank Of Arcadia require US citizenship to open account?

Can The First State Bank Of Arcadia close my account?

Does The First State Bank Of Arcadia Report to credit bureaus?

Does The First State Bank Of Arcadia Use Equifax?

What is The First State Bank Of Arcadia's ACH Routing Number?

What is The First State Bank Of Arcadia's SWIFT code?

Products

Does The First State Bank Of Arcadia offer mortgages?

Compare mortgage rates here.

Does The First State Bank Of Arcadia offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The First State Bank Of Arcadia offer personal loans?

Compare personal loan rates here.

Does The First State Bank Of Arcadia offer student loans?

Will The First State Bank Of Arcadia cash a check?

Will The First State Bank Of Arcadia redeem a savings bond?

Does The First State Bank Of Arcadia cash savings bonds?

Will The First State Bank Of Arcadia cash money orders?

Can The First State Bank Of Arcadia issue a money order?

Does The First State Bank Of Arcadia do currency exchange?

Background on The Bank

Who owns The First State Bank Of Arcadia?

How long has The First State Bank Of Arcadia been around?

Can The First State Bank Of Arcadia transfer to other banks?

Does The First State Bank Of Arcadia have quick pay?

Does The First State Bank Of Arcadia accept rolled coins?

Will The First State Bank Of Arcadia accept loose change?

Where is The First State Bank Of Arcadia headquarters?

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