West Milton State Bank

940 High Street
West Milton, PA 17886


General Bank Information

FDIC Insured Yes
FDIC Certificate # 8421
Date Established 1920
Assets $0.36 billion
Loans $0.16 billion
Deposits $0.30 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 $0.36 billion in assets. Customers can open an account via one of its 5 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 38.07
Credit Card Loans 0.00
Consumer Auto Loans 0.06
Small Business Loans 10.27
Construction and Development Loans 5.71
Commercial Real Estate 24.60
Commercial and Industrial Loans 8.41
Farm Loans 0.72

Savings Rates

Your Current Location: New York, NY 10007

3 Mo CD 10K 0.10% $500 - Learn MoreShow Less
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
Special: 30 Mo CD 1.25% $5,000 - Learn MoreShow Less
36 Mo CD 10K 1.00% $500 - Learn MoreShow Less
48 Mo CD 10K 1.46% $500 - Learn MoreShow Less
60 Mo CD 10K 1.91% $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
Special: 30 Mo FIRA 1.25% $5,000 - 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: New York, NY 10007

BestCashCow tracks mortgage, home equity, and auto loan rates. In the future, we will be adding other loan products. Please contact the lender for questions about their loan products.

There are currently no rates available for West Milton State Bank

We're working to get rates for every bank in the world. Please bare with us until we are able to get rates for this bank.

Back to West Milton State Bank

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


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:
New York,New York

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. Please remember that all banks listed on BestCashCow.com are FDIC insured while all credit unions are similarly insured by the NCUA. No depositor has ever lost money while their funds have been insured by the FDIC or NCUA.

Texas Ratio
West Milton State Bank U.S. Bank Average
0.42% 8.56%

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 June 30, 2015, West Milton State Bank had $169,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $38,221,000 in equity and $2,004,000 in loans loss reserves. That gives it a Texas Ratio of 0.42%. 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
12.14% 9.74%

West Milton State Bank has a Return on Equity of 12.14% versus the BestCashCow average of 9.74%. 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
10.76% 11.23%

West Milton State Bank has a Capitalization of 10.76% versus the BestCashCow average of 11.23%. 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, 2015, West Milton State Bank had assets of $362,928,000, loans of $156,930,000, and deposits of $297,891,000. 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.

Customer Comments for West Milton State Bank

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

Add Your Comment