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Overview / Commentary
304-755-4700
4650 First Avenue
Nitro, WV 25143

Rock Branch Community Bank, Inc. is headquartered in Nitro and is the 54th largest bank in the state of West Virginia. It is also the 5,389th largest bank in the nation. It was established in 1996 and as of March of 2014, it had grown to 25 employees at 1 location. Rock Branch Community Bank, Inc.'s savings rates are 44% higher than the national average, and it has a B health rating.

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Health

Data for Q1 2014

Institution Health

B
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Rock Branch Community Bank, Inc. has a relatively low asset base.

Texas Ratio

GRADE:
B+

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 Rock Branch Community Bank, Inc. had $1.01 million in non-current loans and owned real-estate with $8.22 million in equity and loan loss allowances on hand to cover it. This gives Rock Branch Community Bank, Inc. a Texas Ratio of 12.29% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Rock Branch Community Bank, Inc. decreased slightly from 16.71% as of March 31, 2013 to 12.29% as of March 31, 2014, resulting in a positive change of 26.46%.This indicates that the balance sheet and financial strength for Rock Branch Community Bank, Inc. has improved slightly in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Rock Branch Community Bank, Inc. has increased its total deposits by $1.6 million, resulting in 2.56% 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 Rock Branch Community Bank, Inc. has shown is above average.

Capitalization

GRADE:
A

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. Rock Branch Community Bank, Inc. has $71.76 million in assets with $8.22 million in equity, resulting in a capitalization level of 11.45%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #34245
Year Established1996
Employees25
Primary RegulatorFDIC
Assets and Liabilities
Assets$71.76 million
Loans$53.19 million
Deposits$63.97 million
Equity Capital$7.56 million
Loan Loss Allowance$662,000
Unbacked Noncurrent Loans$632,000
Real Estate Owned$378,000
Historic Data - March 2013
Assets$71.81 million
Equity Capital$7.27 million
Loan Loss Allowance$527,000
Unbacked Noncurrent Loans$632,000
Real Estate Owned$459,000
Profit Margin - Quarterly
Net Interest Margin4.09%
Return on Assets0.63%
Return on Equity6%
Interest Income$795,000
Rates

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

Rock Branch Community Bank, Inc. Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.75%$50-IRA Savings
0.75%$50-Roth IRA Savings
0.75%$50-Educational IRA Savings
0.50%-$5kChristmas Club
0.15%$25-Statement Savings
0.15%--Student Savings

Rock Branch Community Bank, Inc. Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$10k-Money Market Account

Rock Branch Community Bank, Inc. Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$1k-Now Account

Rock Branch Community Bank, Inc. CD Rates

DetailsAPYMINMAXPRODUCT
0.85%$1k-60 Month CD
0.75%$1k-48 Month CD
0.65%$1k-36 Month CD
0.60%$1k-30 Month CD
0.50%$1k-24 Month CD
0.35%$1k-18 Month CD
0.30%$1k-12 Month CD
0.25%$1k-182 Day CD
0.20%$1k-91 Day CD

Rock Branch Community Bank, Inc. IRA Rates

DetailsAPYMINMAXPRODUCT
0.85%$500-60 Month IRA
0.75%$500-48 Month IRA
0.65%$500-36 Month IRA
0.60%$500-30 Month IRA
0.50%$500-24 Month IRA
0.35%$500-18 Month IRA
0.30%$500-12 Month IRA
Locations


Rock Branch Community Bank, Inc. Locations
Rock Branch Community Bank, Inc.4650 First AvenueNitro, WV 25143