TriCentury Bank

33485 Lexington Avenue
De Soto, KS 66018

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 18109
Date Established 1909
Assets $0.10 billion
Loans $0.08 billion
Deposits $0.06 billion
Capital $0.01 billion

TriCentury Bank is an FDIC insured institution located in De Soto, KS. It was founded in 1909 and has approximately $0.1 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of TriCentury Bank'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 TriCentury Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Multifamily Mortgages.

Compared to other banks in Kansas, TriCentury Bank has a significantly higher percent of Multifamily Mortgages, Commercial Real Estate 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 20.28
Multifamily
Mortgages
17.51
Credit Card Loans 0.00
Consumer Auto Loans 0.09
Small Business Loans 9.11
Construction and Development Loans 1.15
Commercial Real Estate 44.30
Commercial and Industrial Loans 14.81
Farm Loans 0.03

Deposit Rates - October 15, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.25% $1 $5,000 Learn MoreShow Less
Money Market
1.26% $5,001 $50,000 Learn MoreShow Less
CD Rates APY MIN MAX
6 Mo CD
0.50% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.25% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.35% $500 $5,000 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $100 - Learn MoreShow Less

Loan Rates - October 15, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for TriCentury 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 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: MC-1875
4.750% 4.750% 0.00 $0 $1,305 Learn More
PenFed Credit Union
NMLS ID: 401822
4.836% 4.750% 0.00 $2,500 $1,305 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.565% 4.500% 0.38 $2,007 $1,267 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.490% $283.58 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More

Note to TriCentury Bank
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Branches

TriCentury 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


TriCentury Bank Locations

Financial Details

TriCentury Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of TriCentury 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
TriCentury Bank U.S. Bank Average
0% 7.92%

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, 2018, TriCentury Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $10,560,000 in equity and $1,048,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
TriCentury Bank U.S. Bank Average
8.69% 9.77%

TriCentury Bank has a Return on Equity of 8.69% versus the BestCashCow average of 9.77%. 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
TriCentury Bank U.S. Bank Average
10.79% 12.31%

TriCentury Bank has a Capitalization of 10.79% versus the BestCashCow average of 12.31. 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.

TriCentury Bank Balance Sheet Analysis

As of June 30, 2018, TriCentury Bank had assets of $97,840,000, loans of $76,196,000, and deposits of $55,774,000. 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, 2018
ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.02 billion
Net loans and leases $0.08 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 $0.09 billion
LIABILITIES
Total deposits $0.06 billion
      Interest-bearing deposits $0.05 billion
      Deposits held in domestic offices $0.06 billion
      % insured (estimated) 83.70%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.03 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.09 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

June 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 Tricentury Bank

Branches and Savings

Is Tricentury Bank FDIC insured?

Yes. It is covered under FDIC Certificate #18109.

Why does Tricentury Bank pay such low interest on savings accounts?

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

Why are Tricentury Bank CD rates not competitive?

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

Is Tricentury Bank a commercial bank?

Yes

Where are Tricentury Bank locations?

See branch locations nearby.

Is Tricentury Bank open on Saturdays?

Is Tricentury Bank open on Sundays?

What time does Tricentury Bank open?

What time does Tricentury Bank close?

Are Tricentury Bank ATMs Open 24/7?

Do Tricentury Bank ATMs accept cash deposits?

Can Tricentury Bank customers use other ATMs?

Do Tricentury Bank branches have notaries?

Will Tricentury Bank notarize my document?

What address for Tricentury Bank should I put for incoming ACH transfers?

Will the Tricentury Bank branch print checks?

Do Tricentury Bank checks expire?

Does Tricentury Bank require US citizenship to open account?

Can Tricentury Bank close my account?

Does Tricentury Bank Report to credit bureaus?

Does Tricentury Bank Use Equifax?

What is Tricentury Bank's ACH Routing Number?

What is Tricentury Bank's SWIFT code?

Products

Does Tricentury Bank offer mortgages?

Compare mortgage rates here.

Does Tricentury Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Tricentury Bank offer personal loans?

Compare personal loan rates here.

Does Tricentury Bank offer student loans?

Will Tricentury Bank cash a check?

Will Tricentury Bank redeem a savings bond?

Does Tricentury Bank cash savings bonds?

Will Tricentury Bank cash money orders?

Can Tricentury Bank issue a money order?

Does Tricentury Bank do currency exchange?

Background on The Bank

Who owns Tricentury Bank?

How long has Tricentury Bank been around?

Can Tricentury Bank transfer to other banks?

Does Tricentury Bank have quick pay?

Does Tricentury Bank accept rolled coins?

Will Tricentury Bank accept loose change?

Where is Tricentury Bank headquarters?

Customer Reviews for TriCentury Bank


  • rsmith

    November 30, 2017 |

    Great rates and service. The staff is very friendly. TriCentury Bank is a real community bank. I would highly recommend.

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