Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
706-886-2111
2859 Hwy 17a
Toccoa, GA 30577

Stephens Federal Bank is headquartered in Toccoa and is the 101st largest bank in the state of Georgia. It is also the 3,597th largest bank in the nation. It was established in 1933 and as of December of 2013, it had grown to 45 employees at 3 locations. Stephens Federal Bank has a D health rating.

No reviews have been left for this bank yet. Be the first to review.



Health

Data for Q4 2013

Institution Health

D

Texas Ratio

GRADE:
F

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 Stephens Federal Bank had $17.38 million in non-current loans and owned real-estate with $9.7 million in equity and loan loss allowances on hand to cover it. This gives Stephens Federal Bank a Texas Ratio of 179.16% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for Stephens Federal Bank increased slightly from 147.72% as of December 31, 2012 to 179.16% as of December 31, 2013, resulting in a negative change of 21.29%. This indicates that the balance sheet and financial strength for Stephens Federal Bank has declined slightly in recent periods.

Deposit Growth

GRADE:
D

In the past year, Stephens Federal Bank has decreased its total deposits by -$15.5 million, resulting in -9.29% 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 Stephens Federal Bank has shown is below average.

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. Stephens Federal Bank has $158.27 million in assets with $9.7 million in equity, resulting in a capitalization level of 6.13%, which is below average.

Institution Statistics

Overall
FDIC Certificate #29511
Year Established1933
Employees45
Primary RegulatorOCC
Assets and Liabilities
Assets$158.27 million
Loans$111.74 million
Deposits$151.32 million
Equity Capital$6.63 million
Loan Loss Allowance$3.07 million
Unbacked Noncurrent Loans$4.73 million
Real Estate Owned$12.64 million
Historic Data - December 2012
Assets$174.44 million
Equity Capital$7.30 million
Loan Loss Allowance$4.10 million
Unbacked Noncurrent Loans$4.73 million
Real Estate Owned$12.49 million
Profit Margin - Quarterly
Net Interest Margin3.58%
Return on Assets-0.39%
Return on Equity-9.32%
Interest Income$5.85 million
Rates
Skip to rates for:

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

Stephens Federal Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.05%$100-Statement Savings
0.05%--Children Money Moose Savings

Stephens Federal Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.10%$5k-First Business Money Market
0.07%$1k-Money Market
0.07%--IRA Money Market

Stephens Federal Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$10k-First Checking
0.01%$100-Smart Checking
Locations


Stephens Federal Bank Locations
Toccoa Branch12 East Doyle StreetToccoa, GA 30577
Clayton Branch221 Hwy 76 EastClayton, GA 30525
Stephens Federal Bank2859 Hwy 17aToccoa, GA 30577