Bloomsdale Bank


55 Mill Hill Road
Bloomsdale, MO 63627
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.20% 0.85% →
1-Year CD 1.00% 0.70% →
2-Year CD 1.16% 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

Bloomsdale Bank is an FDIC insured institution located in Bloomsdale, MO. It was founded in 1914 and has approximately $0.3 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 9788
Date Established 1914
Assets $ 304.82 million
Loans $ 174.80 million
Deposits $ 278.04 million
Capital $ 26.26 million

For a more detailed analysis of Bloomsdale Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 16, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.20% $2,500 $4,999 Learn More
Money Market
0.20% $2,500 $2,999 Learn More
Money Market
0.20% $10,000 $14,999 Learn More
Money Market
0.25% $25,000 $29,999 Learn More
6 Mo CD
0.60% $10,000 $14,999 Learn More
6 Mo CD
0.60% $100,000 $199,999 Learn More
12 Mo CD
0.75% $10,000 $14,999 Learn More
12 Mo CD
1.00% $100,000 $199,999 Learn More
24 Mo CD
1.00% $10,000 $14,999 Learn More
24 Mo CD
1.16% $100,000 $199,999 Learn More
36 Mo CD
1.16% $10,000 $14,999 Learn More
36 Mo CD
1.26% $100,000 $199,999 Learn More
48 Mo CD
1.16% $10,000 $14,999 Learn More
48 Mo CD
1.26% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.15% $1 $99 Learn MoreShow Less
Int Ckg
0.15% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 16, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Bloomsdale Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 1907
2.798% 2.750%
-0.38 points
$1,562 fees
$1,021 Learn More
The Union Bank Company
NMLS ID: 433131
2.807% 2.750%
0.38 points
$1,872 fees
$1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
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 Bloomsdale Bank
To upload and update your bank's rates please register. It is free to register and add rates.


Bloomsdale Bank 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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Bloomsdale Bank Locations

Financial Details

Bloomsdale Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bloomsdale 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
Bloomsdale Bank U.S. Bank Average
5.46% 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, Bloomsdale Bank had $963,000 in non-current loans and $599,000 in owned real estate. To cover these potential losses it had $26,256,000 in equity and $2,352,000 in loans loss reserves. That gives it a Texas Ratio of 5.46%.

Return on Equity
Bloomsdale Bank U.S. Bank Average
29.54% 11.43%

Bloomsdale Bank has a Return on Equity of 29.54% 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.

Bloomsdale Bank U.S. Bank Average
8.61% 11.51%

Bloomsdale Bank has a Capitalization of 8.61% 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.

Bloomsdale Bank Balance Sheet Analysis

As of March 31, 2021, Bloomsdale Bank had assets of $304,815,000, loans of $174,804,000, and deposits of $278,037,000. 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 $ 10.41 million
Interest-bearing balances $ 0.80 million
Total securities $ 98.59 million
Federal funds sold and reverse repurchase $ 15.39 million
Net loans and leases $ 174.80 million
Loan loss allowance $ 2.35 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.60 million
Goodwill and other intangibles $ 1.42 million
All other assets $ 1.60 million
     Total Assets $ 278.56 million
Total deposits $ 278.04 million
      Interest-bearing deposits $ 206.69 million
      Deposits held in domestic offices $ 278.04 million
      % insured (estimated) 66.04%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.52 million
      Total Liabilities $ 278.56 million
      Shareholders’ Equity $ 26.26 million

Summary Income Statement

March 31, 2021
Total Interest Income $ 2.88 million
Total Interest Expense $ 0.31 million
Net interest income $ 2.57 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.67 million
Total non interest expense $ 1.22 million
Pre-tax Net Operating Income $ 2.02 million

Bank Loan Profile?

The top three loan types in Bloomsdale Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Missouri, Bloomsdale Bank has a significantly higher percent of 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 29.42
Credit Card Loans 0.00
Consumer Auto Loans 2.33
Small Business Loans 0.00
Construction and Development Loans 7.49
Commercial Real Estate 34.64
Commercial and Industrial Loans 19.43
Farm Loans 0.21

Frequently Asked Questions About Bloomsdale Bank

Branches and Savings

Is Bloomsdale Bank FDIC insured?

Yes. It is covered under FDIC Certificate #9788.

Why does Bloomsdale Bank pay such low interest on savings accounts?

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

Why are Bloomsdale Bank CD rates not competitive?

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

Is Bloomsdale Bank a commercial bank?


Where are Bloomsdale Bank locations?

See branch locations nearby.

Is Bloomsdale Bank open on Saturdays?

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Are Bloomsdale Bank ATMs Open 24/7?

Do Bloomsdale Bank ATMs accept cash deposits?

Can Bloomsdale Bank customers use other ATMs?

Do Bloomsdale Bank branches have notaries?

Will Bloomsdale Bank notarize my document?

What address for Bloomsdale Bank should I put for incoming ACH transfers?

Will the Bloomsdale Bank branch print checks?

Do Bloomsdale Bank checks expire?

Does Bloomsdale Bank require US citizenship to open account?

Can Bloomsdale Bank close my account?

Does Bloomsdale Bank Report to credit bureaus?

Does Bloomsdale Bank Use Equifax?

What is Bloomsdale Bank's ACH Routing Number?

What is Bloomsdale Bank's SWIFT code?


Does Bloomsdale Bank offer mortgages?

Compare mortgage rates here.

Does Bloomsdale Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bloomsdale Bank offer personal loans?

Compare personal loan rates here.

Does Bloomsdale Bank offer student loans?

Will Bloomsdale Bank cash a check?

Will Bloomsdale Bank redeem a savings bond?

Does Bloomsdale Bank cash savings bonds?

Will Bloomsdale Bank cash money orders?

Can Bloomsdale Bank issue a money order?

Does Bloomsdale Bank do currency exchange?

Background on The Bank

Who owns Bloomsdale Bank?

How long has Bloomsdale Bank been around?

Can Bloomsdale Bank transfer to other banks?

Does Bloomsdale Bank have quick pay?

Does Bloomsdale Bank accept rolled coins?

Will Bloomsdale Bank accept loose change?

Where is Bloomsdale Bank headquarters?

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