Blaine State Bank

10107 University Avenue, N.E.
Blaine, MN 55434


General Bank Information

FDIC Insured Yes
FDIC Certificate # 20670
Date Established 1972
Assets $0.04 billion
Loans $0.02 billion
Deposits $0.03 billion
Capital $0.01 billion

Blaine State Bank is an FDIC insured institution located in Blaine, MN. It was founded in 1972 and has approximately $0.04 billion in assets.

For a more detailed analysis of Blaine State Bank'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 Blaine State Bank’s loan portfolio are 1-4 Family Residential Loans, Small Business Loans, and Commercial Real Estate.

Compared to other banks in Minnesota, Blaine State Bank has a significantly higher percent of 1-4 Family Residential Loans, Consumer Auto Loans, Small Business 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 65.88
Credit Card Loans 0.00
Consumer Auto Loans 5.12
Small Business Loans 14.98
Construction and Development Loans 4.50
Commercial Real Estate 14.98
Commercial and Industrial Loans 7.87
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Blaine State Bank, but see these great savings and CD rates:

1.55% APY High Yield Savings from Synchrony Bank
1.95% APY 12 Month CD from Synchrony Bank

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Blaine State Bank

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
Flagstar Bank, FSB
NMLS ID: 417490
4.544% 4.500% 0.13 $1,285 $1,267 Learn More
Cardinal Financial Co., Limited Partnership
NMLS ID: 66247
4.787% 4.750% 0.13 $1,060 $1,305 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.040% 4.990% 0.25 $1,424 $1,341 Learn More
CapWest Home Loans
NMLS ID: 6521
4.659% 4.625% 0.00 $997 $1,286 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.740% $231.27 Learn More
Flagstar Bank 5.240% $275.79 Learn More

Note to Blaine State Bank
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Financial Details

Blaine State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Blaine State Bank. 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
Blaine State Bank U.S. Bank Average
13.46% 8.32%

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 September 30, 2017, Blaine State Bank had $318,000 in non-current loans and $477,000 in owned real estate. To cover these potential losses it had $5,577,000 in equity and $331,000 in loans loss reserves. That gives it a Texas Ratio of 13.46%.

Return on Equity
Blaine State Bank U.S. Bank Average
-5.66% 8.84%

Blaine State Bank has a Return on Equity of -5.66% versus the BestCashCow average of 8.84%. 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.

Blaine State Bank U.S. Bank Average
15.43% 12.21%

Blaine State Bank has a Capitalization of 15.43% versus the BestCashCow average of 12.21. 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.

Blaine State Bank Balance Sheet Analysis

As of December 31, 2012, Blaine State Bank had assets of $36,138,000, loans of $23,990,000, and deposits of $28,301,000. 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 Blaine State Bank

Branches and Savings

Is Blaine State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #20670.

Why does Blaine State Bank pay such low interest on savings accounts?

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

Why are Blaine State Bank CD rates not competitive?

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

Is Blaine State Bank a commercial bank?


Where are Blaine State Bank locations?

See branch locations nearby.

Is Blaine State Bank open on Saturdays?

Is Blaine State Bank open on Sundays?

What time does Blaine State Bank open?

What time does Blaine State Bank close?

Are Blaine State Bank ATMs Open 24/7?

Do Blaine State Bank ATMs accept cash deposits?

Can Blaine State Bank customers use other ATMs?

Do Blaine State Bank branches have notaries?

Will Blaine State Bank notarize my document?

What address for Blaine State Bank should I put for incoming ACH transfers?

Will the Blaine State Bank branch print checks?

Do Blaine State Bank checks expire?

Does Blaine State Bank require US citizenship to open account?

Can Blaine State Bank close my account?

Does Blaine State Bank Report to credit bureaus?

Does Blaine State Bank Use Equifax?

What is Blaine State Bank's ACH Routing Number?

What is Blaine State Bank's SWIFT code?


Does Blaine State Bank offer mortgages?

Compare mortgage rates here.

Does Blaine State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Blaine State Bank offer personal loans?

Compare personal loan rates here.

Does Blaine State Bank offer student loans?

Will Blaine State Bank cash a check?

Will Blaine State Bank redeem a savings bond?

Does Blaine State Bank cash savings bonds?

Will Blaine State Bank cash money orders?

Can Blaine State Bank issue a money order?

Does Blaine State Bank do currency exchange?

Background on The Bank

Who owns Blaine State Bank?

How long has Blaine State Bank been around?

Can Blaine State Bank transfer to other banks?

Does Blaine State Bank have quick pay?

Does Blaine State Bank accept rolled coins?

Will Blaine State Bank accept loose change?

Where is Blaine State Bank headquarters?

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