Blaine State Bank


10107 University Avenue, N.E.
Blaine, MN 55434
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

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.

FDIC Insured Yes
FDIC Certificate # 20670
Date Established 1972
Assets $ 36.14 million
Loans $ 23.99 million
Deposits $ 28.30 million
Capital $ 5.58 million

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.

Deposit Rates - September 18, 2021

Your Current Location: California, CA 92111


Loan Rates - September 18, 2021

Your Current Location: California, CA 92111

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 - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 1907
2.808% 2.750%
-0.25 points
$1,875 fees
$1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
3.359% 3.250%
0.88 points
$3,438 fees
$1,089 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Blaine State Bank
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Blaine State Bank Locations

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% 5.29%

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, 2021, 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% 11.43%

Blaine State Bank has a Return on Equity of -5.66% versus the BestCashCow average of 11.43%. 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% 11.51%

Blaine State Bank has a Capitalization of 15.43% versus the BestCashCow average of 11.51. 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.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 23.99 million
Loan loss allowance $ 0.33 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.48 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 28.30 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 36.14 million

Summary Income Statement

March 31, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

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

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?

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Is Blaine State Bank open on Saturdays?

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Are Blaine State Bank ATMs Open 24/7?

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Will the Blaine State Bank branch print checks?

Do Blaine State Bank checks expire?

Does Blaine State Bank require US citizenship to open account?

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Does Blaine State Bank Use Equifax?

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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?

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Background on The Bank

Who owns Blaine State Bank?

How long has Blaine State Bank been around?

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Does Blaine State Bank have quick pay?

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Will Blaine State Bank accept loose change?

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