4040 42nd Street South
Fargo, ND 58104


General Bank Information

FDIC Insured Yes
FDIC Certificate # 58580
Date Established 2007
Assets $0.45 billion
Loans $0.36 billion
Deposits $0.39 billion
Capital $0.05 billion

BlackRidgeBANK is an FDIC insured institution located in Fargo, ND. It was founded in 2007 and has approximately $0.45 billion in assets. Customers can open an account at one of its 12 branches.

For a more detailed analysis of BlackRidgeBANK'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 BlackRidgeBANK’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in North Dakota, BlackRidgeBANK has a significantly higher percent of 1-4 Family Residential Loans, Small Business Loans, Construction and Development 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 38.34
Credit Card Loans 0.00
Consumer Auto Loans 0.74
Small Business Loans 14.81
Construction and Development Loans 11.66
Commercial Real Estate 24.55
Commercial and Industrial Loans 14.99
Farm Loans 0.52

Deposit Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.10% $500 - Learn MoreShow Less
6 Mo CD 10K
0.15% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA 0K
0.25% $500 - Learn MoreShow Less
Special: 12 Mo FIRA
1.05% $5,000 - Learn MoreShow Less
Special: 60 Mo FIRA
2.01% $5,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.05% $1 $999 Learn MoreShow Less
MM 10K
0.10% $1,000 $24,999 Learn MoreShow Less
MM 25K
0.20% $25,000 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $500 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for BlackRidgeBANK

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
3.896% 3.875% 0.25 $628 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More
Flagstar Bank 4.990% $268.11 Learn More

Note to BlackRidgeBANK
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BlackRidgeBANK branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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BlackRidgeBANK Locations

Financial Details

BlackRidgeBANK Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of BlackRidgeBANK. 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
BlackRidgeBANK U.S. Bank Average
10.07% 8.45

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 June 30, 2017, BlackRidgeBANK had $4,325,000 in non-current loans and $1,336,000 in owned real estate. To cover these potential losses it had $51,463,000 in equity and $4,772,000 in loans loss reserves. That gives it a Texas Ratio of 10.07%. 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
BlackRidgeBANK U.S. Bank Average
5.71% 8.58

BlackRidgeBANK has a Return on Equity of 5.71% versus the BestCashCow average of 8.58. 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.

BlackRidgeBANK U.S. Bank Average
11.53% 12.11

BlackRidgeBANK has a Capitalization of 11.53% versus the BestCashCow average of 12.11. 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.

BlackRidgeBANK Balance Sheet Analysis

As of June 30, 2017, BlackRidgeBANK had assets of $446,253,000, loans of $356,432,000, and deposits of $391,863,000. 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.

Frequently Asked Questions About BlackRidgeBANK

Branches and Savings

Is BlackRidgeBANK FDIC insured?

Yes. It is covered under FDIC Certificate #58580.

Why does BlackRidgeBANK pay such low interest on savings accounts?

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

Why are BlackRidgeBANK CD rates not competitive?

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

Is BlackRidgeBANK a commercial bank?


Where are BlackRidgeBANK locations?

See branch locations nearby.

Is BlackRidgeBANK open on Saturdays?

Is BlackRidgeBANK open on Sundays?

What time does BlackRidgeBANK open?

What time does BlackRidgeBANK close?

Are BlackRidgeBANK ATMs Open 24/7?

Do BlackRidgeBANK ATMs accept cash deposits?

Can BlackRidgeBANK customers use other ATMs?

Do BlackRidgeBANK branches have notaries?

Will BlackRidgeBANK notarize my document?

What address for BlackRidgeBANK should I put for incoming ACH transfers?

Will the BlackRidgeBANK branch print checks?

Do BlackRidgeBANK checks expire?

Does BlackRidgeBANK require US citizenship to open account?

Can BlackRidgeBANK close my account?

Does BlackRidgeBANK Report to credit bureaus?

Does BlackRidgeBANK Use Equifax?

What is BlackRidgeBANK's ACH Routing Number?

What is BlackRidgeBANK's SWIFT code?


Does BlackRidgeBANK offer mortgages?

Compare mortgage rates here.

Does BlackRidgeBANK offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does BlackRidgeBANK offer personal loans?

Compare personal loan rates here.

Does BlackRidgeBANK offer student loans?

Will BlackRidgeBANK cash a check?

Will BlackRidgeBANK redeem a savings bond?

Does BlackRidgeBANK cash savings bonds?

Will BlackRidgeBANK cash money orders?

Can BlackRidgeBANK issue a money order?

Does BlackRidgeBANK do currency exchange?

Background on The Bank

Who owns BlackRidgeBANK?

How long has BlackRidgeBANK been around?

Can BlackRidgeBANK transfer to other banks?

Does BlackRidgeBANK have quick pay?

Does BlackRidgeBANK accept rolled coins?

Will BlackRidgeBANK accept loose change?

Where is BlackRidgeBANK headquarters?

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