Bluestone Bank

Headquarters

756 Orchard Street
Raynham, MA 02767
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.65% →
1-Year CD 0.35% 0.70% →
2-Year CD 0.55% 0.75% →
5-Year CD 0.90% 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

Bluestone Bank is an FDIC insured institution located in Raynham, MA. It was founded in 1872 and has approximately $1.26 billion in assets. Customers can open an account at one of its 8 branches.

FDIC Insured Yes
FDIC Certificate # 90169
Date Established 1872
Assets $ 1,263.32 million
Loans $ 900.17 million
Deposits $ 1,127.51 million
Capital $ 127.24 million
 

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

Deposit Rates - June 13, 2021

Your Current Location: California, CA 92111

Savings and Money Market Rates APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.20% $100,000 $199,999 Learn More
12 Mo CD
0.35% $10,000 $14,999 Learn More
12 Mo CD
0.35% $100,000 $199,999 Learn More
18 Mo CD
0.45% $10,000 $14,999 Learn More
18 Mo CD
0.45% $100,000 $199,999 Learn More
24 Mo CD
0.55% $10,000 $14,999 Learn More
24 Mo CD
0.55% $100,000 $199,999 Learn More
36 Mo CD
0.70% $10,000 $14,999 Learn More
36 Mo CD
0.70% $100,000 $199,999 Learn More
48 Mo CD
0.80% $10,000 $14,999 Learn More
48 Mo CD
0.80% $100,000 $199,999 Learn More
60 Mo CD
0.90% $10,000 $14,999 Learn More
60 Mo CD
0.90% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.03% $2,500 $3,499 Learn MoreShow Less
Checking Rates APY MIN FEE
Free Checking 0.00% $0 $0.00 Learn MoreShow Less
Interest Checking 0.00% $800 $8.00 Learn MoreShow Less
Premium Checking 0.00% $2,500 $8.00 Learn MoreShow Less
 

Loan Rates - June 13, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for Bluestone 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
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 413-0477
2.652% 2.625%
0.38 points
$898 fees
$1,005 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.368% 3.250%
1.00 points
$3,750 fees
$1,089 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.686% 2.625%
0.75 points
$2,008 fees
$1,005 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 1.990 %
After Intro: 4.840 %
Intro Period: 12 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 Bluestone Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Bluestone 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:
San Diego,California


Bluestone Bank Locations


Financial Details

Bluestone Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bluestone 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
Bluestone Bank U.S. Bank Average
0.24% 5.49%

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 December 31, 2020, Bluestone Bank had $315,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $127,236,000 in equity and $5,049,000 in loans loss reserves. That gives it a Texas Ratio of 0.24%.

Return on Equity
Bluestone Bank U.S. Bank Average
10.84% 9.24%

Bluestone Bank has a Return on Equity of 10.84% versus the BestCashCow average of 9.24%. 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
Bluestone Bank U.S. Bank Average
10.07% 11.96%

Bluestone Bank has a Capitalization of 10.07% versus the BestCashCow average of 11.96. 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.

Bluestone Bank Balance Sheet Analysis

As of December 31, 2020, Bluestone Bank had assets of $1,263,319,000, loans of $900,173,000, and deposits of $1,127,510,000. 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

December 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 123.84 million
Interest-bearing balances $ 119.72 million
Total securities $ 195.91 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 900.17 million
Loan loss allowance $ 5.05 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 1.73 million
All other assets $ 25.21 million
     Total Assets $ 1,136.08 million
LIABILITIES
Total deposits $ 1,127.51 million
      Interest-bearing deposits $ 963.76 million
      Deposits held in domestic offices $ 1,127.51 million
      % insured (estimated) 86.88%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 0.91 million
Subordinated debt N.A.
All other liabilities $ 7.67 million
      Total Liabilities $ 1,136.08 million
      Shareholders’ Equity $ 127.24 million

Summary Income Statement

December 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 26.45 million
Total Interest Expense $ 3.91 million
Net interest income $ 22.54 million
Provision for loan and lease losses $ 0.85 million
Total non interest income $ 14.31 million
Total non interest expense $ 26.39 million
Pre-tax Net Operating Income $ 9.61 million

Bank Loan Profile?

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

Compared to other banks in Massachusetts, Bluestone 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 47.01
Multifamily
Mortgages
2.16
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 7.68
Construction and Development Loans 6.82
Commercial Real Estate 33.80
Commercial and Industrial Loans 8.54
Farm Loans 0.00

Frequently Asked Questions About Bluestone Bank

Branches and Savings

Is Bluestone Bank FDIC insured?

Yes. It is covered under FDIC Certificate #90169.

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

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

Why are Bluestone Bank CD rates not competitive?

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

Is Bluestone Bank a commercial bank?

Yes

Where are Bluestone Bank locations?

See branch locations nearby.

Is Bluestone Bank open on Saturdays?

Is Bluestone Bank open on Sundays?

What time does Bluestone Bank open?

What time does Bluestone Bank close?

Are Bluestone Bank ATMs Open 24/7?

Do Bluestone Bank ATMs accept cash deposits?

Can Bluestone Bank customers use other ATMs?

Do Bluestone Bank branches have notaries?

Will Bluestone Bank notarize my document?

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

Will the Bluestone Bank branch print checks?

Do Bluestone Bank checks expire?

Does Bluestone Bank require US citizenship to open account?

Can Bluestone Bank close my account?

Does Bluestone Bank Report to credit bureaus?

Does Bluestone Bank Use Equifax?

What is Bluestone Bank's ACH Routing Number?

What is Bluestone Bank's SWIFT code?

Products

Does Bluestone Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Bluestone Bank offer personal loans?

Compare personal loan rates here.

Does Bluestone Bank offer student loans?

Will Bluestone Bank cash a check?

Will Bluestone Bank redeem a savings bond?

Does Bluestone Bank cash savings bonds?

Will Bluestone Bank cash money orders?

Can Bluestone Bank issue a money order?

Does Bluestone Bank do currency exchange?

Background on The Bank

Who owns Bluestone Bank?

How long has Bluestone Bank been around?

Can Bluestone Bank transfer to other banks?

Does Bluestone Bank have quick pay?

Does Bluestone Bank accept rolled coins?

Will Bluestone Bank accept loose change?

Where is Bluestone Bank headquarters?

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