Bank of Zumbrota

70 West Third
Zumbrota, MN 55992

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 13654
Date Established 1925
Assets $0.15 billion
Loans $0.11 billion
Deposits $0.12 billion
Capital $0.02 billion

Bank of Zumbrota is an FDIC insured institution located in Zumbrota, MN. It was founded in 1925 and has approximately $0.15 billion in assets. Customers can open an account via one of its 2 branches.

For a more detailed analysis of Bank of Zumbrota'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 Bank of Zumbrota’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks, Bank of Zumbrota’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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 23.45
Multifamily
Mortgages
0.90
Credit Card Loans 0.00
Consumer Auto Loans 3.04
Small Business Loans 13.68
Construction and Development Loans 3.00
Commercial Real Estate 16.41
Commercial and Industrial Loans 15.83
Farm Loans 10.73

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K 0.20% $500 $24,999 Learn MoreShow Less
3 Mo CD 100K 0.40% $100,000 - Learn MoreShow Less
06MCD10K 0.28% $500 $24,999 Learn MoreShow Less
6 Mo CD 100K 0.48% $100,000 - Learn MoreShow Less
12MCD10K 0.41% $500 $24,999 Learn MoreShow Less
12 Mo CD 100K 0.61% $100,000 - Learn MoreShow Less
24MCD10K 0.56% $500 $24,999 Learn MoreShow Less
24 Mo CD 100K 0.76% $100,000 - Learn MoreShow Less
36MCD10K 0.84% $500 $24,999 Learn MoreShow Less
36 Mo CD 100K 1.04% $100,000 - Learn MoreShow Less
48 Mo CD 10K 1.07% $500 $24,999 Learn MoreShow Less
48 Mo CD 100K 1.28% $100,000 - Learn MoreShow Less
60 Mo CD 10K 1.27% $500 $24,999 Learn MoreShow Less
60 Mo CD 100K 1.47% $100,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K 0.12% $1 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
FIXIRA0K 0.41% $500 $24,999 Learn MoreShow Less
MM Rates APY MIN MAX
MM10K 0.19% $2,500 $24,999 Learn MoreShow Less
MM25K 0.26% $25,000 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K 0.11% $500 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

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Branches

Bank of Zumbrota 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


Bank Of Zumbrota Locations

Financial Details

Bank of Zumbrota Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Zumbrota. The data is provided by the FDIC. Please remember that all banks listed on BestCashCow.com are FDIC insured while all credit unions are similarly insured by the NCUA. No depositor has ever lost money while their funds have been insured by the FDIC or NCUA.

Texas Ratio
Bank of Zumbrota U.S. Bank Average
11.74% 9.11%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2016, Bank of Zumbrota had $2,343,000 in non-current loans and $23,000 in owned real estate. To cover these potential losses it had $18,755,000 in equity and $1,392,000 in loans loss reserves. That gives it a Texas Ratio of 11.74%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Bank of Zumbrota U.S. Bank Average
10.17% 9.45%

Bank of Zumbrota has a Return on Equity of 10.17% versus the BestCashCow average of 9.45%. 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
Bank of Zumbrota U.S. Bank Average
12.17% 11.28%

Bank of Zumbrota has a Capitalization of 12.17% versus the BestCashCow average of 11.28%. 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 Zumbrota Balance Sheet Analysis

As of June 30, 2016, Bank of Zumbrota had assets of $154,169,000, loans of $114,556,000, and deposits of $122,840,000. 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.

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