County Bank

County Bank Locations
116 West Broadway
Brunswick, MO 65236
www.countybankonline.com

County Bank is headquartered in Brunswick and is the 225th largest bank in the state of Missouri. It is also the 5,383rd largest bank in the nation. It was established in 1877 and as of March of 2012, it had grown to 20 employees at 3 locations. County Bank has a 4-star health rating.

County Bank Routing Number: 101903938

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Data for Q1 2012


Institution Statistics


County Bank
FDIC Certificate #12220
BankRate ReportView
Year Established1877
Employees20
Primary RegulatorFDIC

Assets and Liabilities

Assets$83.67 million
Loans$61.12 million
Deposits$76.13 million
Equity Capital$5.92 million
Loan Loss Allowance$767,000
Unbacked Noncurrent Loans$255,000
Real Estate Owned$322,000

Historic Data - March 2011

Assets$80.48 million
Equity Capital$5.79 million
Loan Loss Allowance$744,000
Unbacked Noncurrent Loans$248,000
Real Estate Owned$290,000

Profit Margin - Quarterly

Net Interest Margin3.8%
Return on Assets1.28%
Return on Equity17.32%
Interest Income$855,000

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio4
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 March 31, 2012 County Bank had $577,000 in non-current loans and owned real-estate with $6.68 million in equity and loan loss allowances on hand to cover it. This gives County Bank a Texas Ratio of 8.63% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for County Bank decreased slightly from 13.19% as of March 31, 2011 to 8.63% as of March 31, 2012, resulting in a positive change of 34.57%.This indicates that the balance sheet and financial strength for County Bank has improved slightly in recent periods.
Deposit Growth4
In the past year, County Bank has increased its total deposits by $3.21 million, resulting in 4.4% 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 County Bank has shown is above average.
Capitalization2
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. County Bank has $83.67 million in assets with $6.68 million in equity, resulting in a capitalization level of 7.99%, which is below average.
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