Vinings Bank

4135 Atlanta Road
Smyrna, GA 30080


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58533
Date Established 2007
Assets $0.31 billion
Loans $0.12 billion
Deposits $0.26 billion
Capital $0.03 billion

Vinings Bank is an FDIC insured institution located in Smyrna, GA. It was founded in 2007 and has approximately $0.31 billion in assets.

For a more detailed analysis of Vinings 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 Vinings Bank’s loan portfolio are Commercial Real Estate, Construction and Development Loans, and Commercial and Industrial Loans.

Compared to other banks in Georgia, Vinings Bank has a significantly higher percent of Construction and Development Loans, 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 12.46
Credit Card Loans 0.00
Consumer Auto Loans 0.06
Small Business Loans 11.99
Construction and Development Loans 20.05
Commercial Real Estate 49.17
Commercial and Industrial Loans 15.20
Farm Loans 0.00

Deposit Rates - June 25, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $1 $4,999 Learn MoreShow Less
Money Market
0.05% $5,000 $24,999 Learn MoreShow Less
Money Market
0.10% $25,000 $49,999 Learn MoreShow Less
3 Mo CD
0.25% $500 - Learn MoreShow Less
6 Mo CD
0.25% $500 - Learn MoreShow Less
12 Mo CD
0.45% $500 - Learn MoreShow Less
Special: 13 Mo CD
2.02% $1,000 - Learn MoreShow Less
18 Mo CD
0.45% $500 - Learn MoreShow Less
24 Mo CD
0.55% $500 - Learn MoreShow Less
36 Mo CD
1.00% $500 - Learn MoreShow Less
48 Mo CD
1.50% $500 - Learn MoreShow Less
60 Mo CD
1.50% $500 - Learn MoreShow Less

Fixed IRA
0.45% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 $4,999 Learn MoreShow Less

Loan Rates - June 25, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Vinings 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 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.500% 4.500% 0.00 $0 $1,267 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to Vinings Bank
To upload and update your bank's rates please register. It is free to register and add rates.


Vinings 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:

Vinings Bank Locations

Financial Details

Vinings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Vinings Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Vinings Bank U.S. Bank Average
7.1% 6.97%

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 December 31, 2018, Vinings Bank had $1,165,000 in non-current loans and $761,000 in owned real estate. To cover these potential losses it had $25,802,000 in equity and $1,327,000 in loans loss reserves. That gives it a Texas Ratio of 7.1%.

Return on Equity
Vinings Bank U.S. Bank Average
10.22% 8.80%

Vinings Bank has a Return on Equity of 10.22% versus the BestCashCow average of 8.80%. 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.

Vinings Bank U.S. Bank Average
8.37% 12.29%

Vinings Bank has a Capitalization of 8.37% versus the BestCashCow average of 12.29. 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.

Vinings Bank Balance Sheet Analysis

As of December 31, 2018, Vinings Bank had assets of $308,163,000, loans of $122,492,000, and deposits of $256,945,000. 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, 2018
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.01 billion
Total securities $0.14 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.12 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 $0.01 billion
     Total Assets $0.28 billion
Total deposits $0.26 billion
      Interest-bearing deposits $0.20 billion
      Deposits held in domestic offices $0.26 billion
      % insured (estimated) 39.04%
Federal funds purchased and repurchase agreements $0.01 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.02 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.28 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

December 31, 2018
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Vinings Bank

Branches and Savings

Is Vinings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58533.

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

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

Why are Vinings Bank CD rates not competitive?

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

Is Vinings Bank a commercial bank?


Where are Vinings Bank locations?

See branch locations nearby.

Is Vinings Bank open on Saturdays?

Is Vinings Bank open on Sundays?

What time does Vinings Bank open?

What time does Vinings Bank close?

Are Vinings Bank ATMs Open 24/7?

Do Vinings Bank ATMs accept cash deposits?

Can Vinings Bank customers use other ATMs?

Do Vinings Bank branches have notaries?

Will Vinings Bank notarize my document?

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

Will the Vinings Bank branch print checks?

Do Vinings Bank checks expire?

Does Vinings Bank require US citizenship to open account?

Can Vinings Bank close my account?

Does Vinings Bank Report to credit bureaus?

Does Vinings Bank Use Equifax?

What is Vinings Bank's ACH Routing Number?

What is Vinings Bank's SWIFT code?


Does Vinings Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Vinings Bank offer personal loans?

Compare personal loan rates here.

Does Vinings Bank offer student loans?

Will Vinings Bank cash a check?

Will Vinings Bank redeem a savings bond?

Does Vinings Bank cash savings bonds?

Will Vinings Bank cash money orders?

Can Vinings Bank issue a money order?

Does Vinings Bank do currency exchange?

Background on The Bank

Who owns Vinings Bank?

How long has Vinings Bank been around?

Can Vinings Bank transfer to other banks?

Does Vinings Bank have quick pay?

Does Vinings Bank accept rolled coins?

Will Vinings Bank accept loose change?

Where is Vinings Bank headquarters?

Customer Reviews for Vinings Bank

There are currently no comments for Vinings Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →