Woodsville Guaranty Savings Bank

63 Central Street
Woodsville, NH 03785

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 18031
Date Established 1889
Assets $0.51 billion
Loans $0.39 billion
Deposits $0.38 billion
Capital $0.04 billion

Woodsville Guaranty Savings Bank is an FDIC insured institution located in Woodsville, NH. It was founded in 1889 and has approximately $0.51 billion in assets. Customers can open an account at one of its 9 branches.

For a more detailed analysis of Woodsville Guaranty Savings 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 Woodsville Guaranty Savings Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in New Hampshire, Woodsville Guaranty Savings Bank has a significantly higher percent of Farm Loans 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 59.26
Multifamily
Mortgages
4.15
Credit Card Loans 0.00
Consumer Auto Loans 0.72
Small Business Loans 11.15
Construction and Development Loans 4.44
Commercial Real Estate 16.67
Commercial and Industrial Loans 10.62
Farm Loans 0.09

Deposit Rates - November 21, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $1,000 $5,999 Learn MoreShow Less
Money Market
0.15% $10,000 - Learn MoreShow Less
Premium Money Market Account
0.10% $1,000 $24,999 Learn MoreShow Less
Premium Money Market Account
0.15% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.15% $1,000 $99,999 Learn MoreShow Less
3 Mo CD
0.15% $100,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.45% $1,000 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $500 - Learn MoreShow Less

Loan Rates - November 21, 2018

Your Current Location: Virginia, VA 20146

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Woodsville Guaranty Savings 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


Woodsville Guaranty Savings Bank Locations

Financial Details

Woodsville Guaranty Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Woodsville Guaranty Savings 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
Woodsville Guaranty Savings Bank U.S. Bank Average
4.34% 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, Woodsville Guaranty Savings Bank had $2,053,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $43,505,000 in equity and $3,750,000 in loans loss reserves. That gives it a Texas Ratio of 4.34%.

Return on Equity
Woodsville Guaranty Savings Bank U.S. Bank Average
7.12% 9.77%

Woodsville Guaranty Savings Bank has a Return on Equity of 7.12% 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
Woodsville Guaranty Savings Bank U.S. Bank Average
8.59% 12.31%

Woodsville Guaranty Savings Bank has a Capitalization of 8.59% 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.

Woodsville Guaranty Savings Bank Balance Sheet Analysis

As of June 30, 2018, Woodsville Guaranty Savings Bank had assets of $506,382,000, loans of $389,626,000, and deposits of $380,611,000. 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 $0.03 billion
Interest-bearing balances $0.02 billion
Total securities $0.07 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.39 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 $0.46 billion
LIABILITIES
Total deposits $0.38 billion
      Interest-bearing deposits $0.32 billion
      Deposits held in domestic offices $0.38 billion
      % insured (estimated) 92.84%
Federal funds purchased and repurchase agreements $0.01 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.07 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.46 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

June 30, 2018
INCOME AND EXPENSES
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 Woodsville Guaranty Savings Bank

Branches and Savings

Is Woodsville Guaranty Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #18031.

Why does Woodsville Guaranty Savings Bank pay such low interest on savings accounts?

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

Why are Woodsville Guaranty Savings Bank CD rates not competitive?

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

Is Woodsville Guaranty Savings Bank a commercial bank?

Yes

Where are Woodsville Guaranty Savings Bank locations?

See branch locations nearby.

Is Woodsville Guaranty Savings Bank open on Saturdays?

Is Woodsville Guaranty Savings Bank open on Sundays?

What time does Woodsville Guaranty Savings Bank open?

What time does Woodsville Guaranty Savings Bank close?

Are Woodsville Guaranty Savings Bank ATMs Open 24/7?

Do Woodsville Guaranty Savings Bank ATMs accept cash deposits?

Can Woodsville Guaranty Savings Bank customers use other ATMs?

Do Woodsville Guaranty Savings Bank branches have notaries?

Will Woodsville Guaranty Savings Bank notarize my document?

What address for Woodsville Guaranty Savings Bank should I put for incoming ACH transfers?

Will the Woodsville Guaranty Savings Bank branch print checks?

Do Woodsville Guaranty Savings Bank checks expire?

Does Woodsville Guaranty Savings Bank require US citizenship to open account?

Can Woodsville Guaranty Savings Bank close my account?

Does Woodsville Guaranty Savings Bank Report to credit bureaus?

Does Woodsville Guaranty Savings Bank Use Equifax?

What is Woodsville Guaranty Savings Bank's ACH Routing Number?

What is Woodsville Guaranty Savings Bank's SWIFT code?

Products

Does Woodsville Guaranty Savings Bank offer mortgages?

Compare mortgage rates here.

Does Woodsville Guaranty Savings Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Woodsville Guaranty Savings Bank offer personal loans?

Compare personal loan rates here.

Does Woodsville Guaranty Savings Bank offer student loans?

Will Woodsville Guaranty Savings Bank cash a check?

Will Woodsville Guaranty Savings Bank redeem a savings bond?

Does Woodsville Guaranty Savings Bank cash savings bonds?

Will Woodsville Guaranty Savings Bank cash money orders?

Can Woodsville Guaranty Savings Bank issue a money order?

Does Woodsville Guaranty Savings Bank do currency exchange?

Background on The Bank

Who owns Woodsville Guaranty Savings Bank?

How long has Woodsville Guaranty Savings Bank been around?

Can Woodsville Guaranty Savings Bank transfer to other banks?

Does Woodsville Guaranty Savings Bank have quick pay?

Does Woodsville Guaranty Savings Bank accept rolled coins?

Will Woodsville Guaranty Savings Bank accept loose change?

Where is Woodsville Guaranty Savings Bank headquarters?

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