Adrian State Bank

322 Maine Avenue
Adrian, MN 56110

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 8822
Date Established 1889
Assets $0.05 billion
Loans $0.04 billion
Deposits $0.04 billion
Capital $0.00 billion

Adrian State Bank is an FDIC insured institution located in Adrian, MN. It was founded in 1889 and has approximately $0.05 billion in assets.

For a more detailed analysis of Adrian State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Adrian State Bank’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks in Minnesota, Adrian State Bank has a significantly higher percent of Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 4.09
Multifamily
Mortgages
1.64
Credit Card Loans 0.00
Consumer Auto Loans 1.13
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 5.00
Commercial and Industrial Loans 8.41
Farm Loans 47.28

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.25% $500 - Learn MoreShow Less
6 Mo CD 10K
0.35% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.60% $500 $24,999 Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.10% $1,000 $24,999 Learn MoreShow Less
MM 25K
0.15% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.10% $1,000 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Adrian State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
3.930% 3.875% 0.25 $1,787 $1,176 Learn More
PenFed Credit Union
NMLS ID: 401822
4.073% 3.990% 0.00 $2,500 $1,193 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.490% $224.24 Learn More
Flagstar Bank 5.240% $275.79 Learn More

Note to Adrian State Bank
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Branches

Adrian State Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Adrian State Bank Locations

Financial Details

Adrian State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Adrian State Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Adrian State Bank U.S. Bank Average
0.57% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2017, Adrian State Bank had $27,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $4,420,000 in equity and $333,000 in loans loss reserves. That gives it a Texas Ratio of 0.57%.

Return on Equity
Adrian State Bank U.S. Bank Average
18.48% 8.84%

Adrian State Bank has a Return on Equity of 18.48% versus the BestCashCow average of 8.84%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Adrian State Bank U.S. Bank Average
9.81% 12.21%

Adrian State Bank has a Capitalization of 9.81% versus the BestCashCow average of 12.21. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Adrian State Bank Balance Sheet Analysis

As of September 30, 2017, Adrian State Bank had assets of $45,076,000, loans of $35,411,000, and deposits of $39,027,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Adrian State Bank

Branches and Savings

Is Adrian State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #8822.

Why does Adrian State Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Adrian State Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Adrian State Bank a commercial bank?

Yes

Where are Adrian State Bank locations?

See branch locations nearby.

Is Adrian State Bank open on Saturdays?

Is Adrian State Bank open on Sundays?

What time does Adrian State Bank open?

What time does Adrian State Bank close?

Are Adrian State Bank ATMs Open 24/7?

Do Adrian State Bank ATMs accept cash deposits?

Can Adrian State Bank customers use other ATMs?

Do Adrian State Bank branches have notaries?

Will Adrian State Bank notarize my document?

What address for Adrian State Bank should I put for incoming ACH transfers?

Will the Adrian State Bank branch print checks?

Do Adrian State Bank checks expire?

Does Adrian State Bank require US citizenship to open account?

Can Adrian State Bank close my account?

Does Adrian State Bank Report to credit bureaus?

Does Adrian State Bank Use Equifax?

What is Adrian State Bank's ACH Routing Number?

What is Adrian State Bank's SWIFT code?

Products

Does Adrian State Bank offer mortgages?

Compare mortgage rates here.

Does Adrian State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Adrian State Bank offer personal loans?

Compare personal loan rates here.

Does Adrian State Bank offer student loans?

Will Adrian State Bank cash a check?

Will Adrian State Bank redeem a savings bond?

Does Adrian State Bank cash savings bonds?

Will Adrian State Bank cash money orders?

Can Adrian State Bank issue a money order?

Does Adrian State Bank do currency exchange?

Background on The Bank

Who owns Adrian State Bank?

How long has Adrian State Bank been around?

Can Adrian State Bank transfer to other banks?

Does Adrian State Bank have quick pay?

Does Adrian State Bank accept rolled coins?

Will Adrian State Bank accept loose change?

Where is Adrian State Bank headquarters?

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