Bank of Luxemburg

630 Main Street
Luxemburg, WI 54217

Notable Rates APY Vs.Others
Savings 0.08% 2.20% →
1-Year CD 1.50% 2.20% →
2-Year CD 1.60% 2.20% →
5-Year CD 1.80% 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 Luxemburg is an FDIC insured institution located in Luxemburg, WI. It was founded in 1903 and has approximately $0.39 billion in assets. Customers can open an account at one of its 9 branches.

FDIC Insured Yes
FDIC Certificate # 13264
Date Established 1903
Assets $0.39 billion
Loans $0.30 billion
Deposits $0.33 billion
Capital $0.04 billion

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

Deposit Rates - February 22, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.08% $1 $4,999 Learn MoreShow Less
Money Market
0.28% $5,000 $24,999 Learn MoreShow Less
Money Market
0.48% $25,000 - Learn MoreShow Less
3 Mo CD
0.50% $1,000 - Learn MoreShow Less
6 Mo CD
0.65% $1,000 - Learn MoreShow Less
12 Mo CD
1.50% $1,000 - Learn MoreShow Less
18 Mo CD
1.55% $1,000 - Learn MoreShow Less
24 Mo CD
1.60% $1,000 - Learn MoreShow Less
36 Mo CD
1.65% $1,000 - Learn MoreShow Less
48 Mo CD
1.70% $1,000 - Learn MoreShow Less
60 Mo CD
1.80% $1,000 - Learn MoreShow Less

Fixed IRA
1.50% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.05% $1 $4,999 Learn MoreShow Less

Loan Rates - February 22, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Bank of Luxemburg

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.284% 3.250% 0.38 $1,070 $1,089 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Eastern Bank
Eastern Bank
4.250 %
$25,000 Learn More
More Info
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 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 Luxemburg
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Bank of Luxemburg Locations

Financial Details

Bank of Luxemburg Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Luxemburg. 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 Luxemburg U.S. Bank Average
15.26% 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 Luxemburg had $5,785,000 in non-current loans and $230,000 in owned real estate. To cover these potential losses it had $35,848,000 in equity and $3,577,000 in loans loss reserves. That gives it a Texas Ratio of 15.26%.

Return on Equity
Bank of Luxemburg U.S. Bank Average
10.3% 9.72%

Bank of Luxemburg has a Return on Equity of 10.3% 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 Luxemburg U.S. Bank Average
9.27% 12.89%

Bank of Luxemburg has a Capitalization of 9.27% 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 Luxemburg Balance Sheet Analysis

As of September 30, 2019, Bank of Luxemburg had assets of $386,805,000, loans of $297,595,000, and deposits of $331,256,000. 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 $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.05 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.30 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 $0.01 billion
     Total Assets $0.35 billion
Total deposits $0.33 billion
      Interest-bearing deposits $0.27 billion
      Deposits held in domestic offices $0.33 billion
      % insured (estimated) 88.28%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.02 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.35 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Bank of Luxemburg’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in Wisconsin, Bank of Luxemburg has a significantly higher percent of Small Business 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 22.98
Credit Card Loans 0.00
Consumer Auto Loans 1.41
Small Business Loans 23.55
Construction and Development Loans 9.05
Commercial Real Estate 33.15
Commercial and Industrial Loans 18.89
Farm Loans 1.32

Frequently Asked Questions About Bank Of Luxemburg

Branches and Savings

Is Bank Of Luxemburg FDIC insured?

Yes. It is covered under FDIC Certificate #13264.

Why does Bank Of Luxemburg 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 Luxemburg CD rates not competitive?

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

Is Bank Of Luxemburg a commercial bank?


Where are Bank Of Luxemburg locations?

See branch locations nearby.

Is Bank Of Luxemburg open on Saturdays?

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Are Bank Of Luxemburg ATMs Open 24/7?

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Will Bank Of Luxemburg notarize my document?

What address for Bank Of Luxemburg should I put for incoming ACH transfers?

Will the Bank Of Luxemburg branch print checks?

Do Bank Of Luxemburg checks expire?

Does Bank Of Luxemburg require US citizenship to open account?

Can Bank Of Luxemburg close my account?

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Does Bank Of Luxemburg Use Equifax?

What is Bank Of Luxemburg's ACH Routing Number?

What is Bank Of Luxemburg's SWIFT code?


Does Bank Of Luxemburg offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Bank Of Luxemburg offer personal loans?

Compare personal loan rates here.

Does Bank Of Luxemburg offer student loans?

Will Bank Of Luxemburg cash a check?

Will Bank Of Luxemburg redeem a savings bond?

Does Bank Of Luxemburg cash savings bonds?

Will Bank Of Luxemburg cash money orders?

Can Bank Of Luxemburg issue a money order?

Does Bank Of Luxemburg do currency exchange?

Background on The Bank

Who owns Bank Of Luxemburg?

How long has Bank Of Luxemburg been around?

Can Bank Of Luxemburg transfer to other banks?

Does Bank Of Luxemburg have quick pay?

Does Bank Of Luxemburg accept rolled coins?

Will Bank Of Luxemburg accept loose change?

Where is Bank Of Luxemburg headquarters?

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