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Overview / Commentary
979-378-4261
107 West Fayette Street
Fayetteville, TX 78940

Fayetteville Bank is headquartered in Fayetteville and is the 152nd largest bank in the state of Texas. It is also the 1,825th largest bank in the nation. It was established in 1917 and as of December of 2013, it had grown to 29 employees at 3 locations. Fayetteville Bank's savings rates are 4X the national average, and it has a A health rating.

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Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

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, 2013 Fayetteville Bank had $130,000 in non-current loans and owned real-estate with $22.45 million in equity and loan loss allowances on hand to cover it. This gives Fayetteville Bank a Texas Ratio of 0.58% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Fayetteville Bank experienced no significant changes from 0.46% as of December 31, 2012 to 0.58% as of December 31, 2013, resulting in a negative change of 27.24%. This indicates that the balance sheet and financial strength for Fayetteville Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Fayetteville Bank has increased its total deposits by $35.74 million, resulting in 12.11% 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 Fayetteville Bank has shown is excellent.

Capitalization

GRADE:
C-

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. Fayetteville Bank has $358.47 million in assets with $22.45 million in equity, resulting in a capitalization level of 6.26%, which is below average.

Institution Statistics

Overall
FDIC Certificate #3195
Year Established1917
Employees29
Primary RegulatorFDIC
Assets and Liabilities
Assets$358.47 million
Loans$56.23 million
Deposits$330.80 million
Equity Capital$21.21 million
Loan Loss Allowance$1.24 million
Unbacked Noncurrent Loans$130,000
Real Estate Owned$0
Historic Data - December 2012
Assets$328.77 million
Equity Capital$31.97 million
Loan Loss Allowance$1.21 million
Unbacked Noncurrent Loans$130,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin2.75%
Return on Assets1.62%
Return on Equity20.95%
Interest Income$12.44 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Fayetteville Bank, we are a rate comparison website and can not provide official rates or promotions.

Fayetteville Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
2.02%$50-IRA Savings
0.60%$100-Savings
0.60%$25-Christmas Club Savings
0.28%$10k-Health Savings Account

Fayetteville Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.92%$250k-Gold Star Money Market Account
0.48%$100k-Lone Star Money Market

Fayetteville Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.23%$25k-Gold Star Checking

Fayetteville Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.68%$100k-60 Month Jumbo CD
1.57%$500$100k60 Month CD
1.43%$100k-48 Month Jumbo CD
1.33%$500$100k48 Month CD
1.33%$100k-36 Month Jumbo CD
1.23%$500$100k36 Month CD
1.18%$100k-24 Month Jumbo CD
1.13%$100k-18 Month Jumbo CD
1.08%$500$100k24 Month CD
1.08%$100k-12 Month Jumbo CD
1.03%$500$100k18 Month CD
0.98%$500$100k12 Month CD
0.95%$100k-6 Month Jumbo CD
0.85%$500$100k6 Month CD
0.54%$100k-3 Month Jumbo CD
0.39%$500$100k3 Month CD
0.28%$100k-1 Month Jumbo CD
0.17%$500$100k1 Month CD
Locations


Fayetteville Bank Locations
Fayetteville Bank123 North Washington StreetFayetteville, TX 78940
Schulenburg Branch200 North Kessler AvenueSchulenburg, TX 78956
W. Travis Lagrange Branch366 W. TravisLA Grange, TX 78945