The Hamilton Bank

Headquarters

111 North Davis Street
Hamilton, MO 64644
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 1.60% →
1-Year CD 0.80% 1.55% →
2-Year CD 1.00% 1.45% →
5-Year CD 1.50% 1.66% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

The Hamilton Bank is an FDIC insured institution located in Hamilton, MO. It was founded in 1938 and has approximately $0.08 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 15606
Date Established 1938
Assets $ 79.12 million
Loans $ 50.32 million
Deposits $ 70.71 million
Capital $ 8.32 million
 

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

Deposit Rates - June 4, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.25% $25 - Learn More
Money Market
0.01% $2,500 $9,999 Learn More
Money Market
0.02% $10,000 $24,999 Learn More
Money Market
0.03% $25,000 $49,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.40% $10,000 $49,999 Learn More
3 Mo CD
0.50% $50,000 - Learn More
6 Mo CD
0.65% $10,000 $49,999 Learn More
6 Mo CD
0.75% $50,000 - Learn More
12 Mo CD
0.70% $10,000 $49,999 Learn More
12 Mo CD
0.80% $50,000 - Learn More
24 Mo CD
0.90% $10,000 $49,999 Learn More
24 Mo CD
1.00% $50,000 - Learn More
36 Mo CD
1.00% $10,000 $49,999 Learn More
36 Mo CD
1.20% $50,000 - Learn More
60 Mo CD
1.30% $10,000 $49,999 Learn More
60 Mo CD
1.50% $50,000 - Learn More

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.50% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.20% $100 - Learn MoreShow Less

Loan Rates - June 4, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for The Hamilton 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 2020

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.019% 3.000% 0.25 $625 $1,055 Learn More

Note to The Hamilton Bank
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Branches

The Hamilton 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 Hamilton Bank Locations


Financial Details

The Hamilton Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Hamilton 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
Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
The Hamilton Bank U.S. Bank Average
7.89% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 December 31, 2019, The Hamilton Bank had $663,000 in non-current loans and $14,000 in owned real estate. To cover these potential losses it had $8,324,000 in equity and $256,000 in loans loss reserves. That gives it a Texas Ratio of 7.89%.

Return on Equity
The Hamilton Bank U.S. Bank Average
15.63% 9.41%

The Hamilton Bank has a Return on Equity of 15.63% versus the BestCashCow average of 9.41%. 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 Hamilton Bank U.S. Bank Average
10.52% 12.82%

The Hamilton Bank has a Capitalization of 10.52% versus the BestCashCow average of 12.82. 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 Hamilton Bank Balance Sheet Analysis

As of December 31, 2019, The Hamilton Bank had assets of $79,117,000, loans of $50,316,000, and deposits of $70,712,000. 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

December 31, 2019
ASSETS
Cash & Balances due from depository institutions $ 5.02 million
Interest-bearing balances $ 3.43 million
Total securities $ 21.56 million
Federal funds sold and reverse repurchase $ 0.75 million
Net loans and leases $ 50.32 million
Loan loss allowance $ 0.26 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.01 million
Goodwill and other intangibles N.A.
All other assets $ 0.92 million
     Total Assets $ 70.79 million
LIABILITIES
Total deposits $ 70.71 million
      Interest-bearing deposits $ 55.14 million
      Deposits held in domestic offices $ 70.71 million
      % insured (estimated) 84.51%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.08 million
      Total Liabilities $ 70.79 million
      Shareholders’ Equity $ 8.32 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 3.66 million
Total Interest Expense $ 0.45 million
Net interest income $ 3.21 million
Provision for loan and lease losses $ 0.04 million
Total non interest income $ 0.42 million
Total non interest expense $ 2.33 million
Pre-tax Net Operating Income $ 1.26 million

Bank Loan Profile?

The top three loan types in The Hamilton Bank’s loan portfolio are 1-4 Family Residential Loans, Farm Loans, and Commercial Real Estate.

Compared to other banks in Missouri, The Hamilton Bank 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 28.62
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 2.81
Small Business Loans 5.45
Construction and Development Loans 3.59
Commercial Real Estate 7.08
Commercial and Industrial Loans 6.13
Farm Loans 15.72

Frequently Asked Questions About The Hamilton Bank

Branches and Savings

Is The Hamilton Bank FDIC insured?

Yes. It is covered under FDIC Certificate #15606.

Why does The Hamilton 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 Hamilton Bank CD rates not competitive?

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

Is The Hamilton Bank a commercial bank?

Yes

Where are The Hamilton Bank locations?

See branch locations nearby.

Is The Hamilton Bank open on Saturdays?

Is The Hamilton Bank open on Sundays?

What time does The Hamilton Bank open?

What time does The Hamilton Bank close?

Are The Hamilton Bank ATMs Open 24/7?

Do The Hamilton Bank ATMs accept cash deposits?

Can The Hamilton Bank customers use other ATMs?

Do The Hamilton Bank branches have notaries?

Will The Hamilton Bank notarize my document?

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

Will the The Hamilton Bank branch print checks?

Do The Hamilton Bank checks expire?

Does The Hamilton Bank require US citizenship to open account?

Can The Hamilton Bank close my account?

Does The Hamilton Bank Report to credit bureaus?

Does The Hamilton Bank Use Equifax?

What is The Hamilton Bank's ACH Routing Number?

What is The Hamilton Bank's SWIFT code?

Products

Does The Hamilton Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does The Hamilton Bank offer personal loans?

Compare personal loan rates here.

Does The Hamilton Bank offer student loans?

Will The Hamilton Bank cash a check?

Will The Hamilton Bank redeem a savings bond?

Does The Hamilton Bank cash savings bonds?

Will The Hamilton Bank cash money orders?

Can The Hamilton Bank issue a money order?

Does The Hamilton Bank do currency exchange?

Background on The Bank

Who owns The Hamilton Bank?

How long has The Hamilton Bank been around?

Can The Hamilton Bank transfer to other banks?

Does The Hamilton Bank have quick pay?

Does The Hamilton Bank accept rolled coins?

Will The Hamilton Bank accept loose change?

Where is The Hamilton Bank headquarters?

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