Bluestem National Bank


104 East Locust Street
Fairbury, IL 61739
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Notable Rates APY Vs.Others
Savings N.A. 0.65% →
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

Bluestem National Bank is an FDIC insured institution located in Fairbury, IL. It was founded in 1918 and has approximately $0.11 billion in assets.

FDIC Insured Yes
FDIC Certificate # 9077
Date Established 1918
Assets $ 107.61 million
Loans $ 32.70 million
Deposits $ 99.89 million
Capital $ 7.41 million

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

Deposit Rates - July 30, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - July 30, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Bluestem National 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

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2.542% 2.500%
0.50 points
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3.349% 3.250%
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2.548% 2.500%
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Featured - Connecticut Home Equity Line Of Credit Rates 2021

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2.240 %
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4.840 %
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Bethpage Federal Credit Union
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Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
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Note to Bluestem National Bank
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Financial Details

Bluestem National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bluestem National 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
Bluestem National Bank U.S. Bank Average
13.99% 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, Bluestem National Bank had $966,000 in non-current loans and $107,000 in owned real estate. To cover these potential losses it had $7,412,000 in equity and $258,000 in loans loss reserves. That gives it a Texas Ratio of 13.99%.

Return on Equity
Bluestem National Bank U.S. Bank Average
4.54% 11.43%

Bluestem National Bank has a Return on Equity of 4.54% 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.

Bluestem National Bank U.S. Bank Average
6.89% 11.51%

Bluestem National Bank has a Capitalization of 6.89% 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.

Bluestem National Bank Balance Sheet Analysis

As of December 31, 2012, Bluestem National Bank had assets of $107,608,000, loans of $32,704,000, and deposits of $99,889,000. 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 $ 32.70 million
Loan loss allowance $ 0.26 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.11 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 99.89 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 $ 107.61 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 Bluestem National Bank’s loan portfolio are 1-4 Family Residential Loans, Farm Loans, and Commercial and Industrial Loans.

Compared to other banks in Illinois, Bluestem National Bank has a significantly higher percent of 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 21.49
Credit Card Loans 0.00
Consumer Auto Loans 5.12
Small Business Loans 8.20
Construction and Development Loans 0.84
Commercial Real Estate 10.57
Commercial and Industrial Loans 11.50
Farm Loans 15.97

Frequently Asked Questions About Bluestem National Bank

Branches and Savings

Is Bluestem National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #9077.

Why does Bluestem National Bank pay such low interest on savings accounts?

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

Why are Bluestem National Bank CD rates not competitive?

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

Is Bluestem National Bank a commercial bank?


Where are Bluestem National Bank locations?

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Is Bluestem National Bank open on Saturdays?

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Are Bluestem National Bank ATMs Open 24/7?

Do Bluestem National Bank ATMs accept cash deposits?

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Will Bluestem National Bank notarize my document?

What address for Bluestem National Bank should I put for incoming ACH transfers?

Will the Bluestem National Bank branch print checks?

Do Bluestem National Bank checks expire?

Does Bluestem National Bank require US citizenship to open account?

Can Bluestem National Bank close my account?

Does Bluestem National Bank Report to credit bureaus?

Does Bluestem National Bank Use Equifax?

What is Bluestem National Bank's ACH Routing Number?

What is Bluestem National Bank's SWIFT code?


Does Bluestem National Bank offer mortgages?

Compare mortgage rates here.

Does Bluestem National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bluestem National Bank offer personal loans?

Compare personal loan rates here.

Does Bluestem National Bank offer student loans?

Will Bluestem National Bank cash a check?

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Background on The Bank

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Does Bluestem National Bank have quick pay?

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Will Bluestem National Bank accept loose change?

Where is Bluestem National Bank headquarters?

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