4040 42nd Street South
Fargo, ND 58104


General Bank Information

FDIC Insured Yes
FDIC Certificate # 58580
Date Established 2007
Assets $0.45 billion
Loans $0.37 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 Construction and Development Loans.

Compared to other banks in North Dakota, BlackRidgeBANK has a significantly higher percent of 1-4 Family Residential 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 37.90
Credit Card Loans 0.00
Consumer Auto Loans 0.81
Small Business Loans 0.00
Construction and Development Loans 14.44
Commercial Real Estate 23.79
Commercial and Industrial Loans 13.87
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
1.61% $5,000 - Learn MoreShow Less
Special: 15 Mo FIRA
1.51% $5,000 - Learn MoreShow Less
Special: 18 Mo FIRA
1.81% $5,000 - Learn MoreShow Less
Special: 28 Mo FIRA
1.76% $5,000 - Learn MoreShow Less
Special: 36 Mo FIRA
2.51% $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 2018

Lender APR Rate (%) Points Fees Monthly
Learn More
Triangle Lending Group, Inc.
NMLS ID: 64446
License#: MC-5531
4.308% 4.250% 0.50 $1,725 $1,230 Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.411% 4.375% 0.00 $1,190 $1,249 Learn More
PenFed Credit Union
NMLS ID: 401822
4.585% 4.500% 0.00 $2,500 $1,267 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.740% $291.47 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More

Note to BlackRidgeBANK
To upload and update your bank's rates please register. It is free to register and add rates.


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
13.58% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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, 2018, BlackRidgeBANK had $6,670,000 in non-current loans and $1,061,000 in owned real estate. To cover these potential losses it had $51,905,000 in equity and $5,039,000 in loans loss reserves. That gives it a Texas Ratio of 13.58%.

Return on Equity
BlackRidgeBANK U.S. Bank Average
5.02% 9.35%

BlackRidgeBANK has a Return on Equity of 5.02% versus the BestCashCow average of 9.35%. 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
11.49% 12.01%

BlackRidgeBANK has a Capitalization of 11.49% versus the BestCashCow average of 12.01. 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 March 31, 2018, BlackRidgeBANK had assets of $451,661,000, loans of $371,116,000, and deposits of $389,623,000. 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

Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.03 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.37 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.02 billion
All other assets $0.00 billion
     Total Assets $0.40 billion
Total deposits $0.39 billion
      Interest-bearing deposits $0.30 billion
      Deposits held in domestic offices $0.39 billion
      % insured (estimated) 83.75%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.40 billion
      Shareholders’ Equity $0.05 billion

Summary Income Statement

Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

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?

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Are Blackridgebank ATMs Open 24/7?

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Do Blackridgebank branches have notaries?

Will Blackridgebank notarize my document?

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Will the Blackridgebank branch print checks?

Do Blackridgebank checks expire?

Does Blackridgebank require US citizenship to open account?

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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?

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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?

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