Beacon Bank

19765 Highway 7
Shorewood, MN 55331


General Bank Information

FDIC Insured Yes
FDIC Certificate # 10581
Date Established 1906
Assets $0.35 billion
Loans $0.21 billion
Deposits $0.30 billion
Capital $0.03 billion

Beacon Bank is an FDIC insured institution located in Shorewood, MN. It was founded in 1906 and has approximately $0.35 billion in assets.

For a more detailed analysis of Beacon Bank'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 Beacon Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Small Business Loans.

Compared to other banks in Minnesota, Beacon Bank has a significantly higher percent of Commercial Real Estate, Commercial and Industrial 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 13.50
Credit Card Loans 0.00
Consumer Auto Loans 0.20
Small Business Loans 17.26
Construction and Development Loans 6.53
Commercial Real Estate 42.71
Commercial and Industrial Loans 32.98
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

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

1.20% APY Online Savings Account from Ally Bank
1.50% APY 11 Month CD from Ally Bank

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Beacon Bank

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 2017

Lender APR Rate (%) Points Fees Monthly
Learn More
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $1,176 Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
3.950% 3.950% 0.00 $0 $1,187 Learn More

Note to Beacon Bank
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Financial Details

Beacon Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Beacon 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
Beacon Bank U.S. Bank Average
13.87% 8.87%

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 March 31, 2017, Beacon Bank had $3,453,000 in non-current loans and $1,559,000 in owned real estate. To cover these potential losses it had $33,019,000 in equity and $3,120,000 in loans loss reserves. That gives it a Texas Ratio of 13.87%. 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
Beacon Bank U.S. Bank Average
10.72% 8.39%

Beacon Bank has a Return on Equity of 10.72% versus the BestCashCow average of 8.39%. 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.

Beacon Bank U.S. Bank Average
9.44% 11.94%

Beacon Bank has a Capitalization of 9.44% versus the BestCashCow average of 11.94%. 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.

Beacon Bank Balance Sheet Analysis

As of March 31, 2015, Beacon Bank had assets of $349,989,000, loans of $207,199,000, and deposits of $301,303,000. 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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