The Potter State Bank of Potter

Front And Chestnut, Potter
Potter, NE 69156

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 17205
Date Established 1945
Assets $0.04 billion
Loans $0.02 billion
Deposits $0.03 billion
Capital $0.01 billion

The Potter State Bank of Potter is an FDIC insured institution located in Potter, NE. It was founded in 1945 and has approximately $0.04 billion in assets. Customers can open an account at one of its 2 branches.

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

Deposit Rates - August 18, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.25% $1,000 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.50% $500 - Learn MoreShow Less
6 Mo CD
0.75% $500 - Learn MoreShow Less
12 Mo CD
1.26% $500 - Learn MoreShow Less
18 Mo CD
1.51% $500 - Learn MoreShow Less
24 Mo CD
1.61% $500 - Learn MoreShow Less
30 Mo CD
1.71% $100 - Learn MoreShow Less
36 Mo CD
1.81% $100 - Learn MoreShow Less
48 Mo CD
1.91% $100 - Learn MoreShow Less
60 Mo CD
2.12% $100 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.66% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $1,000 - Learn MoreShow Less

Loan Rates - August 18, 2019

Your Current Location: Virginia, VA 20146

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

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
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.414% 3.375% 0.50 $1,238 $1,106 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

Note to The Potter State Bank of Potter
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Branches

The Potter State Bank of Potter 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 Potter State Bank of Potter Locations


Financial Details

The Potter State Bank of Potter Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Potter State Bank of Potter. 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 Potter State Bank of Potter U.S. Bank Average
0.15% 6.94%

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 March 31, 2019, The Potter State Bank of Potter had $9,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $5,702,000 in equity and $240,000 in loans loss reserves. That gives it a Texas Ratio of 0.15%.

Return on Equity
The Potter State Bank of Potter U.S. Bank Average
5.91% 9.47%

The Potter State Bank of Potter has a Return on Equity of 5.91% versus the BestCashCow average of 9.47%. 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 Potter State Bank of Potter U.S. Bank Average
14.4% 12.49%

The Potter State Bank of Potter has a Capitalization of 14.4% versus the BestCashCow average of 12.49. 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 Potter State Bank of Potter Balance Sheet Analysis

As of March 31, 2019, The Potter State Bank of Potter had assets of $39,587,000, loans of $17,087,000, and deposits of $33,651,000. 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

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 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) 88.69%
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 $0.01 billion

Summary Income Statement

March 31, 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 Potter State Bank of Potter’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks in Nebraska, The Potter State Bank of Potter has a significantly higher percent of Commercial and Industrial 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 3.23
Multifamily
Mortgages
0.10
Credit Card Loans 0.00
Consumer Auto Loans 3.80
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 6.93
Commercial and Industrial Loans 26.39
Farm Loans 46.11

Frequently Asked Questions About The Potter State Bank Of Potter

Branches and Savings

Is The Potter State Bank Of Potter FDIC insured?

Yes. It is covered under FDIC Certificate #17205.

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

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

Why are The Potter State Bank Of Potter CD rates not competitive?

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

Is The Potter State Bank Of Potter a commercial bank?

Yes

Where are The Potter State Bank Of Potter locations?

See branch locations nearby.

Is The Potter State Bank Of Potter open on Saturdays?

Is The Potter State Bank Of Potter open on Sundays?

What time does The Potter State Bank Of Potter open?

What time does The Potter State Bank Of Potter close?

Are The Potter State Bank Of Potter ATMs Open 24/7?

Do The Potter State Bank Of Potter ATMs accept cash deposits?

Can The Potter State Bank Of Potter customers use other ATMs?

Do The Potter State Bank Of Potter branches have notaries?

Will The Potter State Bank Of Potter notarize my document?

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

Will the The Potter State Bank Of Potter branch print checks?

Do The Potter State Bank Of Potter checks expire?

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

Can The Potter State Bank Of Potter close my account?

Does The Potter State Bank Of Potter Report to credit bureaus?

Does The Potter State Bank Of Potter Use Equifax?

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

What is The Potter State Bank Of Potter's SWIFT code?

Products

Does The Potter State Bank Of Potter offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does The Potter State Bank Of Potter offer personal loans?

Compare personal loan rates here.

Does The Potter State Bank Of Potter offer student loans?

Will The Potter State Bank Of Potter cash a check?

Will The Potter State Bank Of Potter redeem a savings bond?

Does The Potter State Bank Of Potter cash savings bonds?

Will The Potter State Bank Of Potter cash money orders?

Can The Potter State Bank Of Potter issue a money order?

Does The Potter State Bank Of Potter do currency exchange?

Background on The Bank

Who owns The Potter State Bank Of Potter?

How long has The Potter State Bank Of Potter been around?

Can The Potter State Bank Of Potter transfer to other banks?

Does The Potter State Bank Of Potter have quick pay?

Does The Potter State Bank Of Potter accept rolled coins?

Will The Potter State Bank Of Potter accept loose change?

Where is The Potter State Bank Of Potter headquarters?

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