West Milton State Bank

940 High Street
West Milton, PA 17886

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 8421
Date Established 1920
Assets $0.41 billion
Loans $0.24 billion
Deposits $0.34 billion
Capital $0.04 billion

West Milton State Bank is an FDIC insured institution located in West Milton, PA. It was founded in 1920 and has approximately $0.41 billion in assets. Customers can open an account at one of its 6 branches.

For a more detailed analysis of West Milton State 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 West Milton State Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks, West Milton State 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 33.66
Multifamily
Mortgages
4.80
Credit Card Loans 0.00
Consumer Auto Loans 0.13
Small Business Loans 0.00
Construction and Development Loans 3.72
Commercial Real Estate 24.36
Commercial and Industrial Loans 9.47
Farm Loans 1.39

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
6 Mo CD 10K
0.25% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.35% $100 $99,999 Learn MoreShow Less
Special: 24 Mo FIRA
2.11% $1,000 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.20% $2,500 $24,999 Learn MoreShow Less
MM 25K
0.25% $25,000 $49,999 Learn MoreShow Less
PREMM Rates APY MIN MAX
Premium MM 10K
0.25% $2,500 $24,999 Learn MoreShow Less
Premium MM 25K
0.35% $25,000 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.10% $1,000 $24,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for West Milton State 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
AmeriSave Mortgage Corporation
NMLS ID: 1168
4.797% 4.750% 0.00 $1,352 $1,305 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
License#: MC-2462
4.792% 4.750% 0.00 $1,225 $1,305 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.411% 4.375% 0.00 $1,167 $1,249 Learn More
PenFed Credit Union
NMLS ID: 401822
4.585% 4.500% 0.00 $2,500 $1,267 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More
Flagstar Bank 5.740% $291.47 Learn More

Note to West Milton State Bank
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Branches

West Milton State 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


West Milton State Bank Locations

Financial Details

West Milton State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of West Milton State 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
West Milton State Bank U.S. Bank Average
1.94% 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 March 31, 2018, West Milton State Bank had $803,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $38,884,000 in equity and $2,592,000 in loans loss reserves. That gives it a Texas Ratio of 1.94%.

Return on Equity
West Milton State Bank U.S. Bank Average
14.02% 9.35%

West Milton State Bank has a Return on Equity of 14.02% versus the BestCashCow average of 9.35%. 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
West Milton State Bank U.S. Bank Average
9.49% 12.01%

West Milton State Bank has a Capitalization of 9.49% versus the BestCashCow average of 12.01. 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.

West Milton State Bank Balance Sheet Analysis

As of March 31, 2018, West Milton State Bank had assets of $409,720,000, loans of $240,501,000, and deposits of $338,886,000. 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

ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.14 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.24 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 $0.02 billion
     Total Assets $0.37 billion
LIABILITIES
Total deposits $0.34 billion
      Interest-bearing deposits $0.33 billion
      Deposits held in domestic offices $0.34 billion
      % insured (estimated) 79.92%
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 $0.37 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

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 West Milton State Bank

Branches and Savings

Is West Milton State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #8421.

Why does West Milton State Bank pay such low interest on savings accounts?

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

Why are West Milton State Bank CD rates not competitive?

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

Is West Milton State Bank a commercial bank?

Yes

Where are West Milton State Bank locations?

See branch locations nearby.

Is West Milton State Bank open on Saturdays?

Is West Milton State Bank open on Sundays?

What time does West Milton State Bank open?

What time does West Milton State Bank close?

Are West Milton State Bank ATMs Open 24/7?

Do West Milton State Bank ATMs accept cash deposits?

Can West Milton State Bank customers use other ATMs?

Do West Milton State Bank branches have notaries?

Will West Milton State Bank notarize my document?

What address for West Milton State Bank should I put for incoming ACH transfers?

Will the West Milton State Bank branch print checks?

Do West Milton State Bank checks expire?

Does West Milton State Bank require US citizenship to open account?

Can West Milton State Bank close my account?

Does West Milton State Bank Report to credit bureaus?

Does West Milton State Bank Use Equifax?

What is West Milton State Bank's ACH Routing Number?

What is West Milton State Bank's SWIFT code?

Products

Does West Milton State Bank offer mortgages?

Compare mortgage rates here.

Does West Milton State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does West Milton State Bank offer personal loans?

Compare personal loan rates here.

Does West Milton State Bank offer student loans?

Will West Milton State Bank cash a check?

Will West Milton State Bank redeem a savings bond?

Does West Milton State Bank cash savings bonds?

Will West Milton State Bank cash money orders?

Can West Milton State Bank issue a money order?

Does West Milton State Bank do currency exchange?

Background on The Bank

Who owns West Milton State Bank?

How long has West Milton State Bank been around?

Can West Milton State Bank transfer to other banks?

Does West Milton State Bank have quick pay?

Does West Milton State Bank accept rolled coins?

Will West Milton State Bank accept loose change?

Where is West Milton State Bank headquarters?

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