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1 star rating based on 1 review.

Britton & Koontz Bank, NA

Britton & Koontz Bank, NA Locations
500 Main Street
Natchez, MS 39120
601.445.5576
www.bkbank.com

FDIC

Britton & Koontz Bank, NA is headquartered in Natchez and is the 29th largest bank in the state of Mississippi. It is also the 2,143rd largest bank in the nation. It was established in 1933 and as of December of 2012, it had grown to 99 employees at 9 locations. Britton & Koontz Bank, NA has a 3-star health rating.

Britton & Koontz Bank, NA Routing Number: 065300402

Related Posts

Britton & Koontz Bank (MS/LA) (Smart Rate Checking) Dropped Rate... (Forum) - 11/13/2010

from (5.25%, $30K) to (4.25%, $30K); still not bad. Six 5% (with at least $25K) club members left...

5.25% Reward Checking Account at Britton & Koontz Bank in MS & LA - Local Only - 9/1/2009

Britton & Koontz Bank, NA is offering a reward checking account called Smart Rate Checking. The account has the following rates and features if certain monthly requirements are met:5.25% APY on balances up to $30,0001.01% APY on portion of balance...



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Britton & Koontz Bank, NA Checking Account Rates

ApyMinMaxProduct
0.60%-$30kSmart Rate Checking

Rates updated: 5/19/2013

Data for Q4 2012


Institution Statistics


Britton & Koontz Bank, N.A.
FDIC Certificate #4995
BankRate ReportView
Year Established1933
Employees99
Primary RegulatorOCC

Assets and Liabilities

Assets$305.14 million
Loans$155.97 million
Deposits$226.56 million
Equity Capital$42.27 million
Loan Loss Allowance$2.63 million
Unbacked Noncurrent Loans$2.67 million
Real Estate Owned$6.66 million

Historic Data - December 2011

Assets$365.85 million
Equity Capital$41.58 million
Loan Loss Allowance$4.29 million
Unbacked Noncurrent Loans$8.38 million
Real Estate Owned$3.70 million

Profit Margin - Quarterly

Net Interest Margin2.96%
Return on Assets0.1%
Return on Equity0.82%
Interest Income$12.16 million

Institution Health


Overall Score:
3 out of 5
3
Texas Ratio3
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 December 31, 2012 Britton & Koontz Bank, NA had $9.34 million in non-current loans and owned real-estate with $44.9 million in equity and loan loss allowances on hand to cover it. This gives Britton & Koontz Bank, NA a Texas Ratio of 20.80% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Britton & Koontz Bank, NA decreased slightly from 26.33% as of December 31, 2011 to 20.80% as of December 31, 2012, resulting in a positive change of 21.01%.This indicates that the balance sheet and financial strength for Britton & Koontz Bank, NA has improved slightly in recent periods.
Deposit Growth1
In the past year, Britton & Koontz Bank, NA has decreased its total deposits by -$38.85 million, resulting in -14.64% 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 Britton & Koontz Bank, NA has shown is poor.
Capitalization5
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. Britton & Koontz Bank, NA has $305.14 million in assets with $44.9 million in equity, resulting in a capitalization level of 14.71%, which is excellent.
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I Live In Northern Louisiana
1 stars - Anonymous - Sunday, March 7, 2010 - 1:58 PM

I live in northern Louisiana. While in southern Louisiana on business, I took the time to go to B&K Bank. to open a reward checking account. There, I was rudely told that I was not eligible because I did not live with 40 miles of Baton Rouge. I had previously callled the bank and been on their web side. There was no mention of this residency requirement then. There is still no mention of this requirement on their web site. I think this shyster bank makes up the rules as they go.

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