Big Sky Western Bank

Headquarters

4150 Valley Commons Drive
Bozeman, MT 59718
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

Big Sky Western Bank is an FDIC insured institution located in Bozeman, MT. It was founded in 1990 and has approximately $0.38 billion in assets.

FDIC Insured Yes
FDIC Certificate # 32871
Date Established 1990
Assets $ 380.71 million
Loans $ 214.89 million
Deposits $ 226.13 million
Capital $ 67.74 million
 

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

Deposit Rates - September 23, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 23, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Big Sky Western Bank

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
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.816% 2.750% 0.88 $2,132 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
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2.990 %
$0 Learn More
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People's United Bank, N.A.
People's United Bank, N.A.
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4.000 %
$0 Learn More
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Note to Big Sky Western Bank
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Branches

Big Sky Western 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:
Fairfield,Connecticut


Big Sky Western Bank Locations


Financial Details

Big Sky Western Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Big Sky Western 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
Big Sky Western Bank U.S. Bank Average
21.74% 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, Big Sky Western Bank had $8,757,000 in non-current loans and $7,718,000 in owned real estate. To cover these potential losses it had $67,742,000 in equity and $8,026,000 in loans loss reserves. That gives it a Texas Ratio of 21.74%.

Return on Equity
Big Sky Western Bank U.S. Bank Average
3.55% 7.80%

Big Sky Western Bank has a Return on Equity of 3.55% 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
Big Sky Western Bank U.S. Bank Average
17.79% 12.68%

Big Sky Western Bank has a Capitalization of 17.79% 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.

Big Sky Western Bank Balance Sheet Analysis

As of March 31, 2012, Big Sky Western Bank had assets of $380,705,000, loans of $214,890,000, and deposits of $226,125,000. 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 N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 214.89 million
Loan loss allowance $ 8.03 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 7.72 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 226.13 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 380.71 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Big Sky Western Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Big Sky Western Bank’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 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Big Sky Western Bank

Branches and Savings

Is Big Sky Western Bank FDIC insured?

Yes. It is covered under FDIC Certificate #32871.

Why does Big Sky Western Bank pay such low interest on savings accounts?

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

Why are Big Sky Western Bank CD rates not competitive?

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

Is Big Sky Western Bank a commercial bank?

Yes

Where are Big Sky Western Bank locations?

See branch locations nearby.

Is Big Sky Western Bank open on Saturdays?

Is Big Sky Western Bank open on Sundays?

What time does Big Sky Western Bank open?

What time does Big Sky Western Bank close?

Are Big Sky Western Bank ATMs Open 24/7?

Do Big Sky Western Bank ATMs accept cash deposits?

Can Big Sky Western Bank customers use other ATMs?

Do Big Sky Western Bank branches have notaries?

Will Big Sky Western Bank notarize my document?

What address for Big Sky Western Bank should I put for incoming ACH transfers?

Will the Big Sky Western Bank branch print checks?

Do Big Sky Western Bank checks expire?

Does Big Sky Western Bank require US citizenship to open account?

Can Big Sky Western Bank close my account?

Does Big Sky Western Bank Report to credit bureaus?

Does Big Sky Western Bank Use Equifax?

What is Big Sky Western Bank's ACH Routing Number?

What is Big Sky Western Bank's SWIFT code?

Products

Does Big Sky Western Bank offer mortgages?

Compare mortgage rates here.

Does Big Sky Western Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Big Sky Western Bank offer personal loans?

Compare personal loan rates here.

Does Big Sky Western Bank offer student loans?

Will Big Sky Western Bank cash a check?

Will Big Sky Western Bank redeem a savings bond?

Does Big Sky Western Bank cash savings bonds?

Will Big Sky Western Bank cash money orders?

Can Big Sky Western Bank issue a money order?

Does Big Sky Western Bank do currency exchange?

Background on The Bank

Who owns Big Sky Western Bank?

How long has Big Sky Western Bank been around?

Can Big Sky Western Bank transfer to other banks?

Does Big Sky Western Bank have quick pay?

Does Big Sky Western Bank accept rolled coins?

Will Big Sky Western Bank accept loose change?

Where is Big Sky Western Bank headquarters?

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