Border State Bank

133 Main Street North
Greenbush, MN 56726


General Bank Information

FDIC Insured Yes
FDIC Certificate # 15684
Date Established 1935
Assets $0.50 billion
Loans $0.37 billion
Deposits $0.42 billion
Capital $0.06 billion

Border State Bank is an FDIC insured institution located in Greenbush, MN. It was founded in 1935 and has approximately $0.5 billion in assets. Customers can open an account at one of its 9 branches.

For a more detailed analysis of Border State 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 Border State Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Minnesota, Border State 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 17.79
Credit Card Loans 0.00
Consumer Auto Loans 3.22
Small Business Loans 15.07
Construction and Development Loans 1.83
Commercial Real Estate 30.47
Commercial and Industrial Loans 15.15
Farm Loans 14.67

Deposit Rates

Your Current Location: Virginia, VA 20146

0.45% $2,500 $24,999 Learn MoreShow Less
3 Mo CD 100K
0.55% $50,000 - Learn MoreShow Less
0.55% $2,500 $24,999 Learn MoreShow Less
6 Mo CD 100K
0.60% $50,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
0.80% $2,500 $24,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
1.00% $1 - Learn MoreShow Less
MM 2.5K
0.10% $1 $9,999 Learn MoreShow Less
MM 10K
0.20% $10,000 - Learn MoreShow Less
Premium MM 10K
0.25% $1 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Border State 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

Lender APR Rate (%) Points Fees Monthly
Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.279% 4.250% 0.00 $960 $1,230 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.051% 4.990% 0.38 $1,736 $1,341 Learn More
Rocket Mortgage
NMLS ID: 3030
5.051% 4.990% 0.38 $1,736 $1,341 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.740% $231.27 Learn More
Flagstar Bank 5.490% $283.58 Learn More

Note to Border State Bank
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Border State Bank Locations

Financial Details

Border State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Border State 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
Border State Bank U.S. Bank Average
13.73% 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, Border State Bank had $6,684,000 in non-current loans and $1,761,000 in owned real estate. To cover these potential losses it had $55,757,000 in equity and $5,731,000 in loans loss reserves. That gives it a Texas Ratio of 13.73%.

Return on Equity
Border State Bank U.S. Bank Average
8.55% 8.84%

Border State Bank has a Return on Equity of 8.55% 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.

Border State Bank U.S. Bank Average
11.15% 12.21%

Border State Bank has a Capitalization of 11.15% 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.

Border State Bank Balance Sheet Analysis

As of September 30, 2017, Border State Bank had assets of $499,863,000, loans of $373,150,000, and deposits of $420,638,000. 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.

Frequently Asked Questions About Border State Bank

Branches and Savings

Is Border State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #15684.

Why does Border State Bank pay such low interest on savings accounts?

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

Why are Border State Bank CD rates not competitive?

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

Is Border State Bank a commercial bank?


Where are Border State Bank locations?

See branch locations nearby.

Is Border State Bank open on Saturdays?

Is Border State Bank open on Sundays?

What time does Border State Bank open?

What time does Border State Bank close?

Are Border State Bank ATMs Open 24/7?

Do Border State Bank ATMs accept cash deposits?

Can Border State Bank customers use other ATMs?

Do Border State Bank branches have notaries?

Will Border State Bank notarize my document?

What address for Border State Bank should I put for incoming ACH transfers?

Will the Border State Bank branch print checks?

Do Border State Bank checks expire?

Does Border State Bank require US citizenship to open account?

Can Border State Bank close my account?

Does Border State Bank Report to credit bureaus?

Does Border State Bank Use Equifax?

What is Border State Bank's ACH Routing Number?

What is Border State Bank's SWIFT code?


Does Border State Bank offer mortgages?

Compare mortgage rates here.

Does Border State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Border State Bank offer personal loans?

Compare personal loan rates here.

Does Border State Bank offer student loans?

Will Border State Bank cash a check?

Will Border State Bank redeem a savings bond?

Does Border State Bank cash savings bonds?

Will Border State Bank cash money orders?

Can Border State Bank issue a money order?

Does Border State Bank do currency exchange?

Background on The Bank

Who owns Border State Bank?

How long has Border State Bank been around?

Can Border State Bank transfer to other banks?

Does Border State Bank have quick pay?

Does Border State Bank accept rolled coins?

Will Border State Bank accept loose change?

Where is Border State Bank headquarters?

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