4040 42nd Street South
Fargo, ND 58104


General Bank Information

FDIC Insured Yes
FDIC Certificate # 58580
Date Established 2007
Assets $0.43 billion
Loans $0.35 billion
Deposits $0.38 billion
Capital $0.05 billion

BlackRidgeBANK is an FDIC insured institution located in Fargo, ND. It was founded in 2007 and has approximately $0.43 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, Construction and Development Loans, Commercial Real Estate 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 37.24
Credit Card Loans 0.00
Consumer Auto Loans 0.68
Small Business Loans 0.00
Construction and Development Loans 11.48
Commercial Real Estate 26.20
Commercial and Industrial Loans 15.10
Farm Loans 0.49

Savings 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

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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
10.26% 8.87%

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 March 31, 2017, BlackRidgeBANK had $4,268,000 in non-current loans and $1,452,000 in owned real estate. To cover these potential losses it had $51,058,000 in equity and $4,681,000 in loans loss reserves. That gives it a Texas Ratio of 10.26%. 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
4.76% 8.39%

BlackRidgeBANK has a Return on Equity of 4.76% versus the BestCashCow average of 8.39%. 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
11.78% 11.94%

BlackRidgeBANK has a Capitalization of 11.78% versus the BestCashCow average of 11.94%. 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, 2017, BlackRidgeBANK had assets of $433,436,000, loans of $345,144,000, and deposits of $379,377,000. 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.

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