West Milton State Bank

940 High Street
West Milton, PA 17886


General Bank Information

FDIC Insured Yes
FDIC Certificate # 8421
Date Established 1920
Assets $0.39 billion
Loans $0.21 billion
Deposits $0.33 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 $0.39 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 Small Business 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 35.38
Credit Card Loans 0.00
Consumer Auto Loans 0.13
Small Business Loans 8.47
Construction and Development Loans 3.55
Commercial Real Estate 23.78
Commercial and Industrial Loans 8.19
Farm Loans 0.92

Savings Rates

Your Current Location: Virginia, VA 20146

6 Mo CD 10K 0.25% $500 - Learn MoreShow Less
12 Mo CD 10K 0.35% $500 - Learn MoreShow Less
24 Mo CD 10K 0.50% $500 - Learn MoreShow Less
36 Mo CD 10K 1.00% $500 - Learn MoreShow Less
48 Mo CD 10K 1.35% $500 - Learn MoreShow Less
60 Mo CD 10K 1.66% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K 0.15% $1 $24,999 Learn MoreShow Less
Fixed IRA 0K 0.35% $100 $99,999 Learn MoreShow Less
MM 10K 0.20% $2,500 $24,999 Learn MoreShow Less
MM 25K 0.25% $25,000 $49,999 Learn MoreShow Less
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

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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
0.88% 9.04%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of December 31, 2016, West Milton State Bank had $160,000 in non-current loans and $195,000 in owned real estate. To cover these potential losses it had $38,178,000 in equity and $2,219,000 in loans loss reserves. That gives it a Texas Ratio of 0.88%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
West Milton State Bank U.S. Bank Average
11.41% 8.42%

West Milton State Bank has a Return on Equity of 11.41% versus the BestCashCow average of 8.42%. 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.

West Milton State Bank U.S. Bank Average
9.75% 11.86%

West Milton State Bank has a Capitalization of 9.75% versus the BestCashCow average of 11.86%. 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 December 31, 2016, West Milton State Bank had assets of $391,711,000, loans of $209,715,000, and deposits of $332,641,000. 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.

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