Blencoe State Bank

21945 State Highway 175
Onawa, IA 51040

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 13446
Date Established 1931
Assets $0.05 billion
Loans $0.02 billion
Deposits $0.04 billion
Capital $0.00 billion

Blencoe State Bank is an FDIC insured institution located in Onawa, IA. It was founded in 1931 and has approximately $0.04 billion in assets.

For a more detailed analysis of Blencoe 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 Blencoe State Bank’s loan portfolio are Farm Loans, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Iowa, Blencoe State Bank has a significantly higher percent of Farm 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 25.88
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 3.54
Small Business Loans 5.25
Construction and Development Loans 0.24
Commercial Real Estate 5.25
Commercial and Industrial Loans 5.81
Farm Loans 44.07

Savings Rates

Your Current Location: Virginia, VA 20146

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


Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Blencoe 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 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $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

Note to Blencoe State Bank
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Branches

Blencoe State Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Blencoe State Bank Locations

Financial Details

Blencoe State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Blencoe State Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Blencoe State Bank U.S. Bank Average
6.57% 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, Blencoe State Bank had $194,000 in non-current loans and $86,000 in owned real estate. To cover these potential losses it had $3,998,000 in equity and $266,000 in loans loss reserves. That gives it a Texas Ratio of 6.57%. 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
Blencoe State Bank U.S. Bank Average
7.61% 8.58

Blencoe State Bank has a Return on Equity of 7.61% 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.

Capitalization
Blencoe State Bank U.S. Bank Average
8.81% 12.11

Blencoe State Bank has a Capitalization of 8.81% 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.

Blencoe State Bank Balance Sheet Analysis

As of September 30, 2014, Blencoe State Bank had assets of $44,391,000, loans of $20,763,000, and deposits of $41,181,000. 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 Blencoe State Bank

Branches and Savings

Is Blencoe State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #13446.

Why does Blencoe 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 Blencoe State Bank CD rates not competitive?

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

Is Blencoe State Bank a commercial bank?

Yes

Where are Blencoe State Bank locations?

See branch locations nearby.

Is Blencoe State Bank open on Saturdays?

Is Blencoe State Bank open on Sundays?

What time does Blencoe State Bank open?

What time does Blencoe State Bank close?

Are Blencoe State Bank ATMs Open 24/7?

Do Blencoe State Bank ATMs accept cash deposits?

Can Blencoe State Bank customers use other ATMs?

Do Blencoe State Bank branches have notaries?

Will Blencoe State Bank notarize my document?

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

Will the Blencoe State Bank branch print checks?

Do Blencoe State Bank checks expire?

Does Blencoe State Bank require US citizenship to open account?

Can Blencoe State Bank close my account?

Does Blencoe State Bank Report to credit bureaus?

Does Blencoe State Bank Use Equifax?

What is Blencoe State Bank's ACH Routing Number?

What is Blencoe State Bank's SWIFT code?

Products

Does Blencoe State Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Blencoe State Bank offer personal loans?

Compare personal loan rates here.

Does Blencoe State Bank offer student loans?

Will Blencoe State Bank cash a check?

Will Blencoe State Bank redeem a savings bond?

Does Blencoe State Bank cash savings bonds?

Will Blencoe State Bank cash money orders?

Can Blencoe State Bank issue a money order?

Does Blencoe State Bank do currency exchange?

Background on The Bank

Who owns Blencoe State Bank?

How long has Blencoe State Bank been around?

Can Blencoe State Bank transfer to other banks?

Does Blencoe State Bank have quick pay?

Does Blencoe State Bank accept rolled coins?

Will Blencoe State Bank accept loose change?

Where is Blencoe State Bank headquarters?

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