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Overview / Commentary
107 East Willis Street
Prescott, AZ 86301

Country Bank (AZ) is headquartered in Prescott and is the 11st largest bank in the state of Arizona. It is also the 3,310st largest bank in the nation. It was established in 2003 and as of March of 2014, it had grown to 49 employees at 4 locations. Country Bank (AZ) has a A health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Country Bank (AZ) had $2.08 million in non-current loans and owned real-estate with $19.92 million in equity and loan loss allowances on hand to cover it. This gives Country Bank (AZ) a Texas Ratio of 10.46% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Country Bank (AZ) decreased slightly from 12.73% as of March 31, 2013 to 10.46% as of March 31, 2014, resulting in a positive change of 17.79%.This indicates that the balance sheet and financial strength for Country Bank (AZ) has improved slightly in recent periods.

Deposit Growth


In the past year, Country Bank (AZ) has increased its total deposits by $8.76 million, resulting in 5.86% 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 Country Bank (AZ) has shown is excellent.



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. Country Bank (AZ) has $176.92 million in assets with $19.92 million in equity, resulting in a capitalization level of 11.26%, which is excellent.

Institution Statistics

FDIC Certificate #57498
Year Established2003
Primary RegulatorFDIC
Assets and Liabilities
Assets$176.92 million
Loans$97.52 million
Deposits$158.10 million
Equity Capital$18.56 million
Loan Loss Allowance$1.36 million
Unbacked Noncurrent Loans$1.20 million
Real Estate Owned$887,000
Historic Data - March 2013
Assets$167.60 million
Equity Capital$17.87 million
Loan Loss Allowance$1.75 million
Unbacked Noncurrent Loans$1.20 million
Real Estate Owned$1.06 million
Profit Margin - Quarterly
Net Interest Margin3.49%
Return on Assets0.86%
Return on Equity8.06%
Interest Income$1.44 million

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Country Bank (AZ) Savings Account Rates

0.05%--Personal Savings
0.05%--Business Savings
0.05%--Health Savings Account

Country Bank (AZ) Money Market Rates

0.15%$50k-Business Money Market
0.15%$50k-Personal Money Market

Country Bank (AZ) Checking Account Rates

0.10%--Country Gold Account
0.05%--Personal NOW Account
0.05%--Business NOW Account

Country Bank (AZ) CD Rates

0.25%$1k-2 Year CD
0.25%$1k-3 Year CD
0.25%$1k-4 Year CD
0.25%$1k-5 Year CD
0.20%$1k-12 to 23 Month CD
0.10%$1k-90 to 180 Day CD
0.10%$1k-181 to 364 Day CD
0.05%$500-7 to 31 Day CD
0.05%$1k-32 to 89 Day CD

Country Bank (AZ) Locations
Country Bank107 East Willis StreetPrescott, AZ 86301
Black Drive/Gail Gardner Branch1275 Gail Gardner WayPrescott, AZ 86303
Prescottvalley Branch3044 N Glassford Hill RoadPrescott Valley, AZ 86314
Cottonwood Branch597 E State Route 89aCottonwood, AZ 86326