Stratford State Bank

Stratford State Bank is headquartered in Stratford and is the 177^th largest bank in the state of Wisconsin. It is also the 4,873^rd largest bank in the nation. It was established in 1908 and as of March of 2012, it had grown to 15 employees at 1 location. Stratford State Bank has a 5-star health rating.

Stratford State Bank Routing Number: 075906896

Stratford State Bank Checking Account Rates

Stratford State Bank Savings Account Rates

Stratford State Bank Money Market Rates

Stratford State Bank CD Rates

Stratford State Bank IRA Rates

Data for Q1 2012

Institution Statistics Stratford State Bank FDIC Certificate # 15174 BankRate Report View Year Established 1908 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $103.08 million Loans $49.19 million Deposits $84.23 million Equity Capital $12.01 million Loan Loss Allowance $822,000 Unbacked Noncurrent Loans $185,000 Real Estate Owned $1.09 million Historic Data - March 2011 Assets $102.88 million Equity Capital $11.21 million Loan Loss Allowance $838,000 Unbacked Noncurrent Loans $853,000 Real Estate Owned $1.70 million Profit Margin - Quarterly Net Interest Margin 3.23% Return on Assets 0.94% Return on Equity 8.21% Interest Income $973,000

Institution Health Overall Score: 5 out of 5 Texas Ratio 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 Stratford State Bank had $1.28 million in non-current loans and owned real-estate with $12.83 million in equity and loan loss allowances on hand to cover it. This gives Stratford State Bank a Texas Ratio of 9.95% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Stratford State Bank decreased significantly from 21.18% as of March 31, 2011 to 9.95% as of March 31, 2012, resulting in a positive change of 53.00%.This indicates that the balance sheet and financial strength for Stratford State Bank has improved significantly in recent periods. Deposit Growth In the past year, Stratford State Bank has increased its total deposits by $1.04 million, resulting in 1.25% 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 Stratford State Bank has shown is above average. Capitalization 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. Stratford State Bank has $103.08 million in assets with $12.83 million in equity, resulting in a capitalization level of 12.45%, which is excellent.

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