Bellevue State Bank

Headquarters

200 South 2nd Street
Bellevue, IA 52031
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Bellevue State Bank is an FDIC insured institution located in Bellevue, IA. It was founded in 1934 and has approximately $0.12 billion in assets.

FDIC Insured Yes
FDIC Certificate # 14415
Date Established 1934
Assets $ 123.40 million
Loans $ 95.71 million
Deposits $ 102.83 million
Capital $ 18.26 million
 

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

Deposit Rates - September 19, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - September 19, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bellevue State 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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.872% 3.750% 1.00 $3,750 $1,158 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.815% 2.750% 0.88 $2,118 $1,021 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Bellevue State Bank
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Branches

Bellevue 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:
Ashburn,Virginia


Bellevue State Bank Locations


Financial Details

Bellevue State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bellevue 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
Bellevue State Bank U.S. Bank Average
11.05% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 March 31, 2020, Bellevue State Bank had $2,194,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $18,260,000 in equity and $1,598,000 in loans loss reserves. That gives it a Texas Ratio of 11.05%.

Return on Equity
Bellevue State Bank U.S. Bank Average
8.16% 7.80%

Bellevue State Bank has a Return on Equity of 8.16% versus the BestCashCow average of 7.80%. 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
Bellevue State Bank U.S. Bank Average
14.8% 12.68%

Bellevue State Bank has a Capitalization of 14.8% versus the BestCashCow average of 12.68. 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.

Bellevue State Bank Balance Sheet Analysis

As of March 31, 2020, Bellevue State Bank had assets of $123,398,000, loans of $95,711,000, and deposits of $102,827,000. 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

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 12.06 million
Interest-bearing balances $ 8.23 million
Total securities $ 9.48 million
Federal funds sold and reverse repurchase $ 1.85 million
Net loans and leases $ 95.71 million
Loan loss allowance $ 1.60 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 3.57 million
     Total Assets $ 105.14 million
LIABILITIES
Total deposits $ 102.83 million
      Interest-bearing deposits $ 82.58 million
      Deposits held in domestic offices $ 102.83 million
      % insured (estimated) 83.29%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 2.00 million
Subordinated debt N.A.
All other liabilities $ 0.31 million
      Total Liabilities $ 105.14 million
      Shareholders’ Equity $ 18.26 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 1.32 million
Total Interest Expense $ 0.25 million
Net interest income $ 1.08 million
Provision for loan and lease losses $ 0.30 million
Total non interest income $ 0.14 million
Total non interest expense $ 0.51 million
Pre-tax Net Operating Income $ 0.40 million

Bank Loan Profile?

The top three loan types in Bellevue State Bank’s loan portfolio are 1-4 Family Residential Loans, Farm Loans, and Commercial and Industrial Loans.

Compared to other banks in Iowa, Bellevue State Bank has a significantly higher percent of Consumer Auto 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 28.39
Multifamily
Mortgages
0.71
Credit Card Loans 0.00
Consumer Auto Loans 5.43
Small Business Loans 0.00
Construction and Development Loans 2.11
Commercial Real Estate 8.21
Commercial and Industrial Loans 15.44
Farm Loans 22.53

Frequently Asked Questions About Bellevue State Bank

Branches and Savings

Is Bellevue State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #14415.

Why does Bellevue 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 Bellevue State Bank CD rates not competitive?

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

Is Bellevue State Bank a commercial bank?

Yes

Where are Bellevue State Bank locations?

See branch locations nearby.

Is Bellevue State Bank open on Saturdays?

Is Bellevue State Bank open on Sundays?

What time does Bellevue State Bank open?

What time does Bellevue State Bank close?

Are Bellevue State Bank ATMs Open 24/7?

Do Bellevue State Bank ATMs accept cash deposits?

Can Bellevue State Bank customers use other ATMs?

Do Bellevue State Bank branches have notaries?

Will Bellevue State Bank notarize my document?

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

Will the Bellevue State Bank branch print checks?

Do Bellevue State Bank checks expire?

Does Bellevue State Bank require US citizenship to open account?

Can Bellevue State Bank close my account?

Does Bellevue State Bank Report to credit bureaus?

Does Bellevue State Bank Use Equifax?

What is Bellevue State Bank's ACH Routing Number?

What is Bellevue State Bank's SWIFT code?

Products

Does Bellevue State Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Bellevue State Bank offer personal loans?

Compare personal loan rates here.

Does Bellevue State Bank offer student loans?

Will Bellevue State Bank cash a check?

Will Bellevue State Bank redeem a savings bond?

Does Bellevue State Bank cash savings bonds?

Will Bellevue State Bank cash money orders?

Can Bellevue State Bank issue a money order?

Does Bellevue State Bank do currency exchange?

Background on The Bank

Who owns Bellevue State Bank?

How long has Bellevue State Bank been around?

Can Bellevue State Bank transfer to other banks?

Does Bellevue State Bank have quick pay?

Does Bellevue State Bank accept rolled coins?

Will Bellevue State Bank accept loose change?

Where is Bellevue State Bank headquarters?

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