Bank of Bluffs

115 N. Bluffs St.
Bluffs, IL 62621

Notable Rates APY Vs.Others
Savings 0.10% 2.20% →
1-Year CD 0.30% 2.20% →
2-Year CD N.A. 2.20% →
5-Year CD N.A. 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

Bank of Bluffs is an FDIC insured institution located in Bluffs, IL. It was founded in 1893 and has approximately $0.05 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 10883
Date Established 1893
Assets $0.05 billion
Loans $0.04 billion
Deposits $0.05 billion
Capital $0.01 billion

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

Deposit Rates - February 20, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.15% $1,000 $24,999 Learn MoreShow Less
Money Market
0.20% $25,000 $49,999 Learn MoreShow Less
3 Mo CD
0.10% $1,000 - Learn MoreShow Less
6 Mo CD
0.20% $1,000 - Learn MoreShow Less
12 Mo CD
0.30% $1,000 - Learn MoreShow Less
18 Mo CD
0.40% $1,000 - Learn MoreShow Less
30 Mo CD
0.60% $1,000 - Learn MoreShow Less
48 Mo CD
0.80% $1,000 - Learn MoreShow Less

Variable IRA Rates APY MIN MAX
0.80% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 - Learn MoreShow Less

Loan Rates - February 20, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Bluffs

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.375% 3.375% 0.00 ($22) $1,106 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
Rocket Mortgage
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to Bank of Bluffs
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Financial Details

Bank of Bluffs Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Bluffs. 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
Bank of Bluffs U.S. Bank Average
6.05% 6.70%

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, 2019, Bank of Bluffs had $445,000 in non-current loans and $70,000 in owned real estate. To cover these potential losses it had $8,169,000 in equity and $350,000 in loans loss reserves. That gives it a Texas Ratio of 6.05%.

Return on Equity
Bank of Bluffs U.S. Bank Average
4.27% 9.72%

Bank of Bluffs has a Return on Equity of 4.27% versus the BestCashCow average of 9.72%. 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.

Bank of Bluffs U.S. Bank Average
15.02% 12.89%

Bank of Bluffs has a Capitalization of 15.02% versus the BestCashCow average of 12.89. 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.

Bank of Bluffs Balance Sheet Analysis

As of September 30, 2019, Bank of Bluffs had assets of $54,384,000, loans of $35,121,000, and deposits of $46,183,000. 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

September 30, 2019
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.04 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 $0.05 billion
Total deposits $0.05 billion
      Interest-bearing deposits $0.03 billion
      Deposits held in domestic offices $0.05 billion
      % insured (estimated) 91.21%
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 $0.05 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

September 30, 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 Bank of Bluffs’s loan portfolio are 1-4 Family Residential Loans, Farm Loans, and Consumer Auto Loans.

Compared to other banks, Bank of Bluffs’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 26.55
Credit Card Loans 0.00
Consumer Auto Loans 6.01
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 4.81
Commercial and Industrial Loans 5.65
Farm Loans 13.13

Frequently Asked Questions About Bank Of Bluffs

Branches and Savings

Is Bank Of Bluffs FDIC insured?

Yes. It is covered under FDIC Certificate #10883.

Why does Bank Of Bluffs pay such low interest on savings accounts?

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

Why are Bank Of Bluffs CD rates not competitive?

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

Is Bank Of Bluffs a commercial bank?


Where are Bank Of Bluffs locations?

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Does Bank Of Bluffs offer mortgages?

Compare mortgage rates here.

Does Bank Of Bluffs offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of Bluffs offer personal loans?

Compare personal loan rates here.

Does Bank Of Bluffs offer student loans?

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Background on The Bank

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