Basin State Bank

103 Central Avenue
Stanford, MT 59479

Notable Rates APY Vs.Others
Savings N.A. 2.25% →
1-Year CD N.A. 2.25% →
2-Year CD N.A. 2.50% →
5-Year CD N.A. 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Basin State Bank is an FDIC insured institution located in Stanford, MT. It was founded in 1911 and has approximately $0.15 billion in assets.

FDIC Insured Yes
FDIC Certificate # 8314
Date Established 1911
Assets $0.15 billion
Loans $0.11 billion
Deposits $0.13 billion
Capital $0.02 billion
 

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

Deposit Rates - December 15, 2019

Your Current Location: Washington, WA 98101

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

Advertiser Disclosure

Loan Rates - December 15, 2019

Your Current Location: Washington, WA 98101

There are currently no loan rates available for Basin 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
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
3.625% 3.625% -0.13 ($222) $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 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
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
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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

Note to Basin State Bank
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Branches

Basin 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:
Seattle,Washington


Basin State Bank Locations


Financial Details

Basin State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Basin 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
Basin State Bank U.S. Bank Average
0% 6.77%

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 June 30, 2019, Basin State Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $17,848,000 in equity and $0 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Basin State Bank U.S. Bank Average
4.02% 9.50%

Basin State Bank has a Return on Equity of 4.02% versus the BestCashCow average of 9.50%. 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
Basin State Bank U.S. Bank Average
11.64% 12.76%

Basin State Bank has a Capitalization of 11.64% versus the BestCashCow average of 12.76. 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.

Basin State Bank Balance Sheet Analysis

As of June 30, 2014, Basin State Bank had assets of $153,319,000, loans of $107,721,000, and deposits of $133,090,000. 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

June 30, 2019
ASSETS
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 $0.11 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
LIABILITIES
Total deposits $0.13 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 $0.15 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
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 Basin State Bank’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Montana, Basin 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 5.71
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.67
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 20.35
Farm Loans 54.99

Frequently Asked Questions About Basin State Bank

Branches and Savings

Is Basin State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #8314.

Why does Basin 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 Basin State Bank CD rates not competitive?

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

Is Basin State Bank a commercial bank?

Yes

Where are Basin State Bank locations?

See branch locations nearby.

Is Basin State Bank open on Saturdays?

Is Basin State Bank open on Sundays?

What time does Basin State Bank open?

What time does Basin State Bank close?

Are Basin State Bank ATMs Open 24/7?

Do Basin State Bank ATMs accept cash deposits?

Can Basin State Bank customers use other ATMs?

Do Basin State Bank branches have notaries?

Will Basin State Bank notarize my document?

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

Will the Basin State Bank branch print checks?

Do Basin State Bank checks expire?

Does Basin State Bank require US citizenship to open account?

Can Basin State Bank close my account?

Does Basin State Bank Report to credit bureaus?

Does Basin State Bank Use Equifax?

What is Basin State Bank's ACH Routing Number?

What is Basin State Bank's SWIFT code?

Products

Does Basin State Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Basin State Bank offer personal loans?

Compare personal loan rates here.

Does Basin State Bank offer student loans?

Will Basin State Bank cash a check?

Will Basin State Bank redeem a savings bond?

Does Basin State Bank cash savings bonds?

Will Basin State Bank cash money orders?

Can Basin State Bank issue a money order?

Does Basin State Bank do currency exchange?

Background on The Bank

Who owns Basin State Bank?

How long has Basin State Bank been around?

Can Basin State Bank transfer to other banks?

Does Basin State Bank have quick pay?

Does Basin State Bank accept rolled coins?

Will Basin State Bank accept loose change?

Where is Basin State Bank headquarters?

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