Bank of Thayer

Bank of Thayer is headquartered in Thayer and is the 227^th largest bank in the state of Missouri. It is also the 5,530^th largest bank in the nation. It was established in 1900 and as of September of 2011, it had grown to 32 employees at 4 locations. Bank of Thayer has a 4-star health rating.

Bank of Thayer Routing Number: 081503911

Data for Q3 2011

Institution Statistics Bank of Thayer FDIC Certificate # 12474 BankRate Report View Year Established 1900 Employees 32 Primary Regulator FDIC Assets and Liabilities Assets $79.31 million Loans $44.49 million Deposits $68.43 million Equity Capital $7.33 million Loan Loss Allowance $813,000 Unbacked Noncurrent Loans $1.52 million Real Estate Owned $724,000 Historic Data - September 2010 Assets $75.73 million Equity Capital $6.78 million Loan Loss Allowance $631,000 Unbacked Noncurrent Loans $217,000 Real Estate Owned $927,000 Profit Margin - Quarterly Net Interest Margin 4.18% Return on Assets 0.45% Return on Equity 4.98% Interest Income $2.76 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Bank of Thayer had $2.24 million in non-current loans and owned real-estate with $8.14 million in equity and loan loss allowances on hand to cover it. This gives Bank of Thayer a Texas Ratio of 27.54% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Thayer increased slightly from 15.43% as of September 30, 2010 to 27.54% as of September 30, 2011, resulting in a negative change of 78.48%. This indicates that the balance sheet and financial strength for Bank of Thayer has declined slightly in recent periods. Deposit Growth In the past year, Bank of Thayer has increased its total deposits by $3.38 million, resulting in 5.19% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Thayer has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Thayer has $79.31 million in assets with $8.14 million in equity, resulting in a capitalization level of 10.27%, which is above average.

No reviews have been left for this bank yet. Be the first to review.