Bluff View Bank

Headquarters

16893 South Main Street
Galesville, WI 54630
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.05% →
1-Year CD 0.45% 0.95% →
2-Year CD 0.55% 1.05% →
5-Year CD 0.80% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Bluff View Bank is an FDIC insured institution located in Galesville, WI. It was founded in 1883 and has approximately $0.11 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 8693
Date Established 1883
Assets $ 105.20 million
Loans $ 78.07 million
Deposits $ 79.38 million
Capital $ 21.20 million
 

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

Deposit Rates - September 25, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.15% $10,000 $14,999 Learn More
3 Mo CD
0.15% $100,000 $199,999 Learn More
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.30% $100,000 $199,999 Learn More
12 Mo CD
0.45% $10,000 $14,999 Learn More
12 Mo CD
0.45% $100,000 $199,999 Learn More
18 Mo CD
0.50% $10,000 $14,999 Learn More
18 Mo CD
0.50% $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
30 Mo CD
0.60% $10,000 $14,999 Learn More
30 Mo CD
0.60% $100,000 $199,999 Learn More
36 Mo CD
0.65% $10,000 $14,999 Learn More
36 Mo CD
0.65% $100,000 $199,999 Learn More
48 Mo CD
0.75% $10,000 $14,999 Learn More
48 Mo CD
0.75% $100,000 $199,999 Learn More
60 Mo CD
0.80% $10,000 $14,999 Learn More
60 Mo CD
0.80% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 25, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bluff View 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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.815% 2.750% 0.88 $2,122 $1,021 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
3.500 %
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Bluff View Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Bluff View 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


Bluff View Bank Locations


Financial Details

Bluff View Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bluff View 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
Bluff View Bank U.S. Bank Average
5.13% 6.94%

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, 2020, Bluff View Bank had $1,003,000 in non-current loans and $142,000 in owned real estate. To cover these potential losses it had $21,199,000 in equity and $1,137,000 in loans loss reserves. That gives it a Texas Ratio of 5.13%.

Return on Equity
Bluff View Bank U.S. Bank Average
14.8% 7.80%

Bluff View Bank has a Return on Equity of 14.8% versus the BestCashCow average of 7.80%. 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
Bluff View Bank U.S. Bank Average
20.15% 12.68%

Bluff View Bank has a Capitalization of 20.15% versus the BestCashCow average of 12.68. 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.

Bluff View Bank Balance Sheet Analysis

As of March 31, 2020, Bluff View Bank had assets of $105,195,000, loans of $78,069,000, and deposits of $79,376,000. 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, 2020
ASSETS
Cash & Balances due from depository institutions $ 5.99 million
Interest-bearing balances $ 4.56 million
Total securities $ 14.05 million
Federal funds sold and reverse repurchase $ 2.17 million
Net loans and leases $ 78.07 million
Loan loss allowance $ 1.14 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.14 million
Goodwill and other intangibles $ 0.37 million
All other assets $ 2.62 million
     Total Assets $ 84.00 million
LIABILITIES
Total deposits $ 79.38 million
      Interest-bearing deposits $ 61.43 million
      Deposits held in domestic offices $ 79.38 million
      % insured (estimated) 90.91%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 4.10 million
Subordinated debt N.A.
All other liabilities $ 0.52 million
      Total Liabilities $ 84.00 million
      Shareholders’ Equity $ 21.20 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 1.29 million
Total Interest Expense $ 0.17 million
Net interest income $ 1.12 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.62 million
Total non interest expense $ 0.92 million
Pre-tax Net Operating Income $ 0.82 million

Bank Loan Profile?

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

Compared to other banks, Bluff View 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 26.44
Multifamily
Mortgages
4.58
Credit Card Loans 0.65
Consumer Auto Loans 1.90
Small Business Loans 0.00
Construction and Development Loans 5.89
Commercial Real Estate 15.74
Commercial and Industrial Loans 8.67
Farm Loans 8.26

Frequently Asked Questions About Bluff View Bank

Branches and Savings

Is Bluff View Bank FDIC insured?

Yes. It is covered under FDIC Certificate #8693.

Why does Bluff View Bank pay such low interest on savings accounts?

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

Why are Bluff View Bank CD rates not competitive?

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

Is Bluff View Bank a commercial bank?

Yes

Where are Bluff View Bank locations?

See branch locations nearby.

Is Bluff View Bank open on Saturdays?

Is Bluff View Bank open on Sundays?

What time does Bluff View Bank open?

What time does Bluff View Bank close?

Are Bluff View Bank ATMs Open 24/7?

Do Bluff View Bank ATMs accept cash deposits?

Can Bluff View Bank customers use other ATMs?

Do Bluff View Bank branches have notaries?

Will Bluff View Bank notarize my document?

What address for Bluff View Bank should I put for incoming ACH transfers?

Will the Bluff View Bank branch print checks?

Do Bluff View Bank checks expire?

Does Bluff View Bank require US citizenship to open account?

Can Bluff View Bank close my account?

Does Bluff View Bank Report to credit bureaus?

Does Bluff View Bank Use Equifax?

What is Bluff View Bank's ACH Routing Number?

What is Bluff View Bank's SWIFT code?

Products

Does Bluff View Bank offer mortgages?

Compare mortgage rates here.

Does Bluff View Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bluff View Bank offer personal loans?

Compare personal loan rates here.

Does Bluff View Bank offer student loans?

Will Bluff View Bank cash a check?

Will Bluff View Bank redeem a savings bond?

Does Bluff View Bank cash savings bonds?

Will Bluff View Bank cash money orders?

Can Bluff View Bank issue a money order?

Does Bluff View Bank do currency exchange?

Background on The Bank

Who owns Bluff View Bank?

How long has Bluff View Bank been around?

Can Bluff View Bank transfer to other banks?

Does Bluff View Bank have quick pay?

Does Bluff View Bank accept rolled coins?

Will Bluff View Bank accept loose change?

Where is Bluff View Bank headquarters?

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