Atwater State Bank

222 Atlantic Avenue
Atwater, MN 56209


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 1396
Date Established 1932
Assets $0.05 billion
Loans $0.03 billion
Deposits $0.04 billion
Capital $0.00 billion

Atwater State Bank is an FDIC insured institution located in Atwater, MN. It was founded in 1932 and has approximately $0.05 billion in assets.

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

Deposit Rates - July 15, 2019

Your Current Location: Washington, WA 98109

There are currently no rates available for Atwater State Bank, but see these great savings and CD rates:

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Loan Rates - July 15, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Atwater State Bank

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

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 520-CL-25944
3.777% 3.750% 0.38 $832 $1,158 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
Cascadia Mortgage
NMLS ID: 1505422
License#: NMLS #1505422
3.697% 3.625% 0.50 $2,253 $1,141 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
5.490 %
N/A Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to Atwater State Bank
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Financial Details

Atwater State Bank Ratio Analysis

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

Texas Ratio
Atwater State Bank U.S. Bank Average
10.75% 6.94%

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 March 31, 2019, Atwater State Bank had $468,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $3,969,000 in equity and $385,000 in loans loss reserves. That gives it a Texas Ratio of 10.75%.

Return on Equity
Atwater State Bank U.S. Bank Average
7.43% 9.47%

Atwater State Bank has a Return on Equity of 7.43% versus the BestCashCow average of 9.47%. 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.

Atwater State Bank U.S. Bank Average
8.79% 12.49%

Atwater State Bank has a Capitalization of 8.79% versus the BestCashCow average of 12.49. 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.

Atwater State Bank Balance Sheet Analysis

As of December 31, 2012, Atwater State Bank had assets of $45,132,000, loans of $31,268,000, and deposits of $39,854,000. 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.

Summary Balance Sheet

March 31, 2019
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.03 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.00 billion
Total deposits $0.04 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.00 billion
      Shareholders’ Equity $0.05 billion

Summary Income Statement

March 31, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Atwater State Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Farm Loans.

Compared to other banks, Atwater State Bank’s loan portfolio does not show any specific loan specialty.

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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 26.95
Credit Card Loans 0.00
Consumer Auto Loans 2.44
Small Business Loans 3.19
Construction and Development Loans 0.91
Commercial Real Estate 3.19
Commercial and Industrial Loans 20.23
Farm Loans 18.12

Frequently Asked Questions About Atwater State Bank

Branches and Savings

Is Atwater State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #1396.

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

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Why are Atwater State Bank CD rates not competitive?

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

Is Atwater State Bank a commercial bank?


Where are Atwater State Bank locations?

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Is Atwater State Bank open on Saturdays?

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Are Atwater State Bank ATMs Open 24/7?

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Do Atwater State Bank branches have notaries?

Will Atwater State Bank notarize my document?

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

Will the Atwater State Bank branch print checks?

Do Atwater State Bank checks expire?

Does Atwater State Bank require US citizenship to open account?

Can Atwater State Bank close my account?

Does Atwater State Bank Report to credit bureaus?

Does Atwater State Bank Use Equifax?

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What is Atwater State Bank's SWIFT code?


Does Atwater State Bank offer mortgages?

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

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Does Atwater State Bank offer personal loans?

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Does Atwater State Bank offer student loans?

Will Atwater State Bank cash a check?

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Background on The Bank

Who owns Atwater State Bank?

How long has Atwater State Bank been around?

Can Atwater State Bank transfer to other banks?

Does Atwater State Bank have quick pay?

Does Atwater State Bank accept rolled coins?

Will Atwater State Bank accept loose change?

Where is Atwater State Bank headquarters?

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