Black River Country Bank

Headquarters

221 Main Street
Black River Falls, WI 54615
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 0.95% →
1-Year CD 0.70% 1.01% →
2-Year CD 0.85% 0.95% →
5-Year CD 1.26% 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

Black River Country Bank is an FDIC insured institution located in Black River Falls, WI. It was founded in 1907 and has approximately $0.08 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 15152
Date Established 1907
Assets $ 80.10 million
Loans $ 65.33 million
Deposits $ 68.76 million
Capital $ 8.83 million
 

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

Deposit Rates - October 20, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.15% $2,500 $4,999 Learn More
Money Market
0.30% $2,500 $2,999 Learn More
Money Market
0.45% $10,000 $14,999 Learn More
Money Market
0.60% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.70% $10,000 $14,999 Learn More
12 Mo CD
0.70% $100,000 $199,999 Learn More
24 Mo CD
0.85% $10,000 $14,999 Learn More
24 Mo CD
0.85% $100,000 $199,999 Learn More
36 Mo CD
1.00% $10,000 $14,999 Learn More
36 Mo CD
1.00% $100,000 $199,999 Learn More
48 Mo CD
1.15% $10,000 $14,999 Learn More
48 Mo CD
1.15% $100,000 $199,999 Learn More
60 Mo CD
1.26% $10,000 $14,999 Learn More
60 Mo CD
1.26% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 $99 Learn MoreShow Less
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 20, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Black River Country 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
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.575% 2.500% 1.00 $2,468 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to Black River Country Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Black River Country 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


Black River Country Bank Locations


Financial Details

Black River Country Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Black River Country 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
Black River Country Bank U.S. Bank Average
13.33% 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, Black River Country Bank had $1,270,000 in non-current loans and $31,000 in owned real estate. To cover these potential losses it had $8,833,000 in equity and $929,000 in loans loss reserves. That gives it a Texas Ratio of 13.33%.

Return on Equity
Black River Country Bank U.S. Bank Average
11.29% 7.80%

Black River Country Bank has a Return on Equity of 11.29% 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
Black River Country Bank U.S. Bank Average
11.03% 12.68%

Black River Country Bank has a Capitalization of 11.03% 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.

Black River Country Bank Balance Sheet Analysis

As of March 31, 2020, Black River Country Bank had assets of $80,097,000, loans of $65,327,000, and deposits of $68,762,000. 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 $ 3.67 million
Interest-bearing balances $ 2.41 million
Total securities $ 6.51 million
Federal funds sold and reverse repurchase $ 0.61 million
Net loans and leases $ 65.33 million
Loan loss allowance $ 0.93 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.03 million
Goodwill and other intangibles N.A.
All other assets $ 2.60 million
     Total Assets $ 71.26 million
LIABILITIES
Total deposits $ 68.76 million
      Interest-bearing deposits $ 58.03 million
      Deposits held in domestic offices $ 68.76 million
      % insured (estimated) 94.25%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 2.41 million
Subordinated debt N.A.
All other liabilities $ 0.09 million
      Total Liabilities $ 71.26 million
      Shareholders’ Equity $ 8.83 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.91 million
Total Interest Expense $ 0.19 million
Net interest income $ 0.72 million
Provision for loan and lease losses $ 0.02 million
Total non interest income $ 0.06 million
Total non interest expense $ 0.51 million
Pre-tax Net Operating Income $ 0.25 million

Bank Loan Profile?

The top three loan types in Black River Country Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Farm Loans.

Compared to other banks in Wisconsin, Black River Country Bank has a significantly higher percent of 1-4 Family Residential Loans, 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 47.15
Multifamily
Mortgages
0.53
Credit Card Loans 0.12
Consumer Auto Loans 3.75
Small Business Loans 0.00
Construction and Development Loans 1.38
Commercial Real Estate 11.24
Commercial and Industrial Loans 5.43
Farm Loans 8.15

Frequently Asked Questions About Black River Country Bank

Branches and Savings

Is Black River Country Bank FDIC insured?

Yes. It is covered under FDIC Certificate #15152.

Why does Black River Country Bank pay such low interest on savings accounts?

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

Why are Black River Country Bank CD rates not competitive?

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

Is Black River Country Bank a commercial bank?

Yes

Where are Black River Country Bank locations?

See branch locations nearby.

Is Black River Country Bank open on Saturdays?

Is Black River Country Bank open on Sundays?

What time does Black River Country Bank open?

What time does Black River Country Bank close?

Are Black River Country Bank ATMs Open 24/7?

Do Black River Country Bank ATMs accept cash deposits?

Can Black River Country Bank customers use other ATMs?

Do Black River Country Bank branches have notaries?

Will Black River Country Bank notarize my document?

What address for Black River Country Bank should I put for incoming ACH transfers?

Will the Black River Country Bank branch print checks?

Do Black River Country Bank checks expire?

Does Black River Country Bank require US citizenship to open account?

Can Black River Country Bank close my account?

Does Black River Country Bank Report to credit bureaus?

Does Black River Country Bank Use Equifax?

What is Black River Country Bank's ACH Routing Number?

What is Black River Country Bank's SWIFT code?

Products

Does Black River Country Bank offer mortgages?

Compare mortgage rates here.

Does Black River Country Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Black River Country Bank offer personal loans?

Compare personal loan rates here.

Does Black River Country Bank offer student loans?

Will Black River Country Bank cash a check?

Will Black River Country Bank redeem a savings bond?

Does Black River Country Bank cash savings bonds?

Will Black River Country Bank cash money orders?

Can Black River Country Bank issue a money order?

Does Black River Country Bank do currency exchange?

Background on The Bank

Who owns Black River Country Bank?

How long has Black River Country Bank been around?

Can Black River Country Bank transfer to other banks?

Does Black River Country Bank have quick pay?

Does Black River Country Bank accept rolled coins?

Will Black River Country Bank accept loose change?

Where is Black River Country Bank headquarters?

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