Breda Savings Bank


105 Main Street
Breda, IA 51436
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
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

Breda Savings Bank is an FDIC insured institution located in Breda, IA. It was founded in 1890 and has approximately $0.08 billion in assets.

FDIC Insured Yes
FDIC Certificate # 5792
Date Established 1890
Assets $ 75.25 million
Loans $ 38.60 million
Deposits $ 57.65 million
Capital $ 7.44 million

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

Deposit Rates - September 19, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - September 19, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Breda Savings 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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Morty, Inc.
NMLS ID: 1429243
2.575% 2.500%
1.00 points
$2,468 fees
$988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

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Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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BMO Harris Bank
BMO Harris Bank
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Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
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Note to Breda Savings Bank
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Financial Details

Breda Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Breda Savings 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
Breda Savings Bank U.S. Bank Average
0% 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, Breda Savings Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $7,440,000 in equity and $406,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Breda Savings Bank U.S. Bank Average
12.88% 11.43%

Breda Savings Bank has a Return on Equity of 12.88% 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.

Breda Savings Bank U.S. Bank Average
9.89% 11.51%

Breda Savings Bank has a Capitalization of 9.89% 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.

Breda Savings Bank Balance Sheet Analysis

As of March 31, 2021, Breda Savings Bank had assets of $75,247,000, loans of $38,602,000, and deposits of $57,650,000. 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 $ 4.27 million
Interest-bearing balances $ 4.16 million
Total securities $ 29.51 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 38.60 million
Loan loss allowance $ 0.41 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 2.76 million
     Total Assets $ 67.81 million
Total deposits $ 57.65 million
      Interest-bearing deposits $ 33.44 million
      Deposits held in domestic offices $ 57.65 million
      % insured (estimated) 73.84%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 9.01 million
Subordinated debt N.A.
All other liabilities $ 1.14 million
      Total Liabilities $ 67.81 million
      Shareholders’ Equity $ 7.44 million

Summary Income Statement

March 31, 2021
Total Interest Income $ 0.58 million
Total Interest Expense $ 0.08 million
Net interest income $ 0.51 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.08 million
Total non interest expense $ 0.34 million
Pre-tax Net Operating Income $ 0.24 million

Bank Loan Profile?

The top three loan types in Breda Savings Bank’s loan portfolio are Farm Loans, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, Breda Savings 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 23.43
Credit Card Loans 0.00
Consumer Auto Loans 0.91
Small Business Loans 0.00
Construction and Development Loans 2.21
Commercial Real Estate 7.13
Commercial and Industrial Loans 16.18
Farm Loans 23.74

Frequently Asked Questions About Breda Savings Bank

Branches and Savings

Is Breda Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #5792.

Why does Breda Savings Bank pay such low interest on savings accounts?

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

Why are Breda Savings Bank CD rates not competitive?

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

Is Breda Savings Bank a commercial bank?


Where are Breda Savings Bank locations?

See branch locations nearby.

Is Breda Savings Bank open on Saturdays?

Is Breda Savings Bank open on Sundays?

What time does Breda Savings Bank open?

What time does Breda Savings Bank close?

Are Breda Savings Bank ATMs Open 24/7?

Do Breda Savings Bank ATMs accept cash deposits?

Can Breda Savings Bank customers use other ATMs?

Do Breda Savings Bank branches have notaries?

Will Breda Savings Bank notarize my document?

What address for Breda Savings Bank should I put for incoming ACH transfers?

Will the Breda Savings Bank branch print checks?

Do Breda Savings Bank checks expire?

Does Breda Savings Bank require US citizenship to open account?

Can Breda Savings Bank close my account?

Does Breda Savings Bank Report to credit bureaus?

Does Breda Savings Bank Use Equifax?

What is Breda Savings Bank's ACH Routing Number?

What is Breda Savings Bank's SWIFT code?


Does Breda Savings Bank offer mortgages?

Compare mortgage rates here.

Does Breda Savings Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Breda Savings Bank offer personal loans?

Compare personal loan rates here.

Does Breda Savings Bank offer student loans?

Will Breda Savings Bank cash a check?

Will Breda Savings Bank redeem a savings bond?

Does Breda Savings Bank cash savings bonds?

Will Breda Savings Bank cash money orders?

Can Breda Savings Bank issue a money order?

Does Breda Savings Bank do currency exchange?

Background on The Bank

Who owns Breda Savings Bank?

How long has Breda Savings Bank been around?

Can Breda Savings Bank transfer to other banks?

Does Breda Savings Bank have quick pay?

Does Breda Savings Bank accept rolled coins?

Will Breda Savings Bank accept loose change?

Where is Breda Savings Bank headquarters?

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