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Overview / Commentary
435-258-2456
17 East Center Street
Lewiston, UT 84320

Lewiston State Bank is headquartered in Lewiston and is the 32nd largest bank in the state of Utah. It is also the 2,388th largest bank in the nation. It was established in 1905 and as of December of 2013, it had grown to 72 employees at 4 locations. Lewiston State Bank's savings rates are 3X the national average, and it has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
B

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 Lewiston State Bank had $6.11 million in non-current loans and owned real-estate with $29.04 million in equity and loan loss allowances on hand to cover it. This gives Lewiston State Bank a Texas Ratio of 21.03% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for Lewiston State Bank decreased dramatically from 32.54% as of December 31, 2012 to 21.03% as of December 31, 2013, resulting in a positive change of 35.37%.This indicates that the balance sheet and financial strength for Lewiston State Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Lewiston State Bank has increased its total deposits by $18.11 million, resulting in 8.26% 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 Lewiston State Bank has shown is excellent.

Capitalization

GRADE:
B+

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. Lewiston State Bank has $268.21 million in assets with $29.04 million in equity, resulting in a capitalization level of 10.83%, which is above average.

Institution Statistics

Overall
FDIC Certificate #9208
Year Established1905
Employees72
Primary RegulatorFDIC
Assets and Liabilities
Assets$268.21 million
Loans$182.40 million
Deposits$237.48 million
Equity Capital$29.04 million
Loan Loss Allowance$0
Unbacked Noncurrent Loans$3.29 million
Real Estate Owned$2.82 million
Historic Data - December 2012
Assets$249.74 million
Equity Capital$28.49 million
Loan Loss Allowance$4.23 million
Unbacked Noncurrent Loans$3.29 million
Real Estate Owned$5.64 million
Profit Margin - Quarterly
Net Interest Margin0.91%
Return on Assets0.23%
Return on Equity2.1%
Interest Income$2.37 million
Rates

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Lewiston State Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
1.61%$2,500-Educational IRA Savings
0.20%$250k$500kHealth Savings
0.15%$25-Regular Savings Account

Lewiston State Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%$250k-Money Market Account
0.20%$50k-IRA Money Market Account
0.20%$50k-Roth IRA Money Market Account

Lewiston State Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$1k-Senior Checking
0.10%$25-Hometown Access
0.10%$25-Hometown Access Plus
0.10%$25-Hometown Access Senior
0.05%$800-NOW Account

Lewiston State Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.05%$1k-60 Month Time CD
0.80%$1k-48 Month Time CD
0.65%$1k-36 Month Time CD
0.45%$1k-24 Month Time CD
0.45%$100k-18 Month Time CD
0.40%$100k-12 Month Time CD
0.25%$100k-182 Day Time CD
0.25%$5k-12 Month Flex CD
0.05%$1k-91 Day Time CD

Lewiston State Bank IRA Rates

DetailsAPYMINMAXPRODUCT
1.05%$2k-60 Month IRA
1.05%$2k-60 Month Roth IRA
0.45%$2k-24 Month IRA
0.45%$2k-24 Month Roth IRA
0.30%$2k-12 Month IRA
0.30%$2k-12 Month Roth IRA
Locations


Lewiston State Bank Locations
Lewiston State Bank17 East Center StreetLewiston, UT 84320
Preston Branch217 South StatePreston, ID 83263
North Logan Branch2190 North Main StreetNorth Logan, UT 84321
Logan Branch294 South Main StreetLogan, UT 84321