Bluestem National Bank

104 East Locust Street
Fairbury, IL 61739

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 9077
Date Established 1918
Assets $0.11 billion
Loans $0.03 billion
Deposits $0.10 billion
Capital $0.01 billion

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.

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.

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, Bluestem National Bank’s loan portfolio does not show any specific loan specialty.

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 21.49
Multifamily
Mortgages
2.56
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

Loan Rates

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2018

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Payment
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4.556% 4.500% 0.13 $1,632 $1,267 Learn More
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4.564% 4.500% 0.25 $1,878 $1,267 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
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Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.990% $238.42 Learn More
Flagstar Bank 5.490% $283.58 Learn More

Note to Bluestem National Bank
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Branches

Bluestem National 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


Bluestem National Bank Locations

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 BestCashCow.com 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% 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, 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% 8.84%

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

Capitalization
Bluestem National Bank U.S. Bank Average
6.89% 12.21%

Bluestem National Bank has a Capitalization of 6.89% 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.

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

ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.03 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.00 billion
LIABILITIES
Total deposits $0.10 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.00 billion
      Shareholders’ Equity $0.11 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

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?

Yes

Where are Bluestem National Bank locations?

See branch locations nearby.

Is Bluestem National Bank open on Saturdays?

Is Bluestem National Bank open on Sundays?

What time does Bluestem National Bank open?

What time does Bluestem National Bank close?

Are Bluestem National Bank ATMs Open 24/7?

Do Bluestem National Bank ATMs accept cash deposits?

Can Bluestem National Bank customers use other ATMs?

Do Bluestem National Bank branches have notaries?

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?

Products

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?

Will Bluestem National Bank redeem a savings bond?

Does Bluestem National Bank cash savings bonds?

Will Bluestem National Bank cash money orders?

Can Bluestem National Bank issue a money order?

Does Bluestem National Bank do currency exchange?

Background on The Bank

Who owns Bluestem National Bank?

How long has Bluestem National Bank been around?

Can Bluestem National Bank transfer to other banks?

Does Bluestem National Bank have quick pay?

Does Bluestem National Bank accept rolled coins?

Will Bluestem National Bank accept loose change?

Where is Bluestem National Bank headquarters?

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