The St. Henry Bank

Headquarters

231 East Main Street
St. Henry, OH 45883
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 1.75% →
1-Year CD 0.40% 1.55% →
2-Year CD 0.45% 1.45% →
5-Year CD 1.26% 1.66% →
30-Year Mortgage N.A. 3.08% →
15-Year Mortgage N.A. 2.65% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

The St. Henry Bank is an FDIC insured institution located in St. Henry, OH. It was founded in 1905 and has approximately $0.31 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 9871
Date Established 1905
Assets $ 309.78 million
Loans $ 204.82 million
Deposits $ 251.32 million
Capital $ 47.99 million
 

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

Deposit Rates - May 27, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.15% $1 - Learn More
Money Market
0.30% $10,000 - Learn More
CD Rates APY MIN MAX
3 Mo CD
0.20% $1,000 - Learn More
6 Mo CD
0.25% $1,000 - Learn More
Special: 10 Mo CD
0.30% $5,000 - Learn More
12 Mo CD
0.40% $1,000 - Learn More
18 Mo CD
0.45% $1,000 - Learn More
24 Mo CD
0.45% $1,000 - Learn More
Special: 25 Mo CD
0.50% $5,000 - Learn More
30 Mo CD
0.50% $1,000 - Learn More
Special: 31 Mo CD
0.60% $5,000 - Learn More
36 Mo CD
0.50% $1,000 - Learn More
48 Mo CD
0.65% $1,000 - Learn More
60 Mo CD
1.26% $1,000 - Learn More

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.40% $1 - Learn MoreShow Less
Special: 10 Mo FIRA
0.30% $5,000 - Learn MoreShow Less
Special: 25 Mo FIRA
0.50% $5,000 - Learn MoreShow Less
Special: 31 Mo FIRA
0.60% $5,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $3,000 - Learn MoreShow Less

Loan Rates - May 27, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for The St. Henry 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
Quicken Loans NMLS #3030
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.952% 2.875% 1.00 $2,485 $1,038 Learn More

Note to The St. Henry Bank
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Branches

The St. Henry 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 St. Henry Bank Locations


Financial Details

The St. Henry Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The St. Henry 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 St. Henry Bank U.S. Bank Average
0% 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 St. Henry Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $47,986,000 in equity and $2,468,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
The St. Henry Bank U.S. Bank Average
15.55% 9.41%

The St. Henry Bank has a Return on Equity of 15.55% 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 St. Henry Bank U.S. Bank Average
15.49% 12.82%

The St. Henry Bank has a Capitalization of 15.49% 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 St. Henry Bank Balance Sheet Analysis

As of December 31, 2019, The St. Henry Bank had assets of $309,775,000, loans of $204,816,000, and deposits of $251,323,000. 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 $ 19.60 million
Interest-bearing balances $ 6.54 million
Total securities $ 54.76 million
Federal funds sold and reverse repurchase $ 17.50 million
Net loans and leases $ 204.82 million
Loan loss allowance $ 2.47 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 10.54 million
     Total Assets $ 261.79 million
LIABILITIES
Total deposits $ 251.32 million
      Interest-bearing deposits $ 182.14 million
      Deposits held in domestic offices $ 251.32 million
      % insured (estimated) 77.35%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 8.29 million
Subordinated debt N.A.
All other liabilities $ 2.18 million
      Total Liabilities $ 261.79 million
      Shareholders’ Equity $ 47.99 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 12.44 million
Total Interest Expense $ 1.38 million
Net interest income $ 11.06 million
Provision for loan and lease losses $ 0.11 million
Total non interest income $ 1.26 million
Total non interest expense $ 5.06 million
Pre-tax Net Operating Income $ 7.15 million

Bank Loan Profile?

The top three loan types in The St. Henry Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks, The St. Henry 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 23.23
Multifamily
Mortgages
1.82
Credit Card Loans 0.25
Consumer Auto Loans 0.52
Small Business Loans 9.76
Construction and Development Loans 5.62
Commercial Real Estate 18.14
Commercial and Industrial Loans 9.57
Farm Loans 1.28

Frequently Asked Questions About The St. Henry Bank

Branches and Savings

Is The St. Henry Bank FDIC insured?

Yes. It is covered under FDIC Certificate #9871.

Why does The St. Henry 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 St. Henry Bank CD rates not competitive?

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

Is The St. Henry Bank a commercial bank?

Yes

Where are The St. Henry Bank locations?

See branch locations nearby.

Is The St. Henry Bank open on Saturdays?

Is The St. Henry Bank open on Sundays?

What time does The St. Henry Bank open?

What time does The St. Henry Bank close?

Are The St. Henry Bank ATMs Open 24/7?

Do The St. Henry Bank ATMs accept cash deposits?

Can The St. Henry Bank customers use other ATMs?

Do The St. Henry Bank branches have notaries?

Will The St. Henry Bank notarize my document?

What address for The St. Henry Bank should I put for incoming ACH transfers?

Will the The St. Henry Bank branch print checks?

Do The St. Henry Bank checks expire?

Does The St. Henry Bank require US citizenship to open account?

Can The St. Henry Bank close my account?

Does The St. Henry Bank Report to credit bureaus?

Does The St. Henry Bank Use Equifax?

What is The St. Henry Bank's ACH Routing Number?

What is The St. Henry Bank's SWIFT code?

Products

Does The St. Henry Bank offer mortgages?

Compare mortgage rates here.

Does The St. Henry Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The St. Henry Bank offer personal loans?

Compare personal loan rates here.

Does The St. Henry Bank offer student loans?

Will The St. Henry Bank cash a check?

Will The St. Henry Bank redeem a savings bond?

Does The St. Henry Bank cash savings bonds?

Will The St. Henry Bank cash money orders?

Can The St. Henry Bank issue a money order?

Does The St. Henry Bank do currency exchange?

Background on The Bank

Who owns The St. Henry Bank?

How long has The St. Henry Bank been around?

Can The St. Henry Bank transfer to other banks?

Does The St. Henry Bank have quick pay?

Does The St. Henry Bank accept rolled coins?

Will The St. Henry Bank accept loose change?

Where is The St. Henry Bank headquarters?

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