Bremer Bank, National Association

321 South 7th Street
Brainerd, MN 56401


General Bank Information

FDIC Insured Yes
FDIC Certificate # 12917
Date Established 1889
Assets $0.36 billion
Loans $0.27 billion
Deposits $0.25 billion
Capital $0.04 billion

Bremer Bank, National Association is an FDIC insured institution located in Brainerd, MN. It was founded in 1889 and has approximately $0.36 billion in assets.

For a more detailed analysis of Bremer Bank, National Association'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 Bremer Bank, National Association’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Minnesota, Bremer Bank, National Association has a significantly higher percent of Small Business Loans, 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 23.73
Credit Card Loans 0.00
Consumer Auto Loans 1.72
Small Business Loans 22.79
Construction and Development Loans 6.49
Commercial Real Estate 38.88
Commercial and Industrial Loans 19.67
Farm Loans 0.30

Loan Rates

Your Current Location: Virginia, VA 20146

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Financial Details

Bremer Bank, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bremer Bank, National Association. 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
Bremer Bank, National Association U.S. Bank Average
6.35% 8.87%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of March 31, 2017, Bremer Bank, National Association had $2,314,000 in non-current loans and $392,000 in owned real estate. To cover these potential losses it had $37,586,000 in equity and $5,011,000 in loans loss reserves. That gives it a Texas Ratio of 6.35%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Bremer Bank, National Association U.S. Bank Average
13.82% 8.39%

Bremer Bank, National Association has a Return on Equity of 13.82% versus the BestCashCow average of 8.39%. 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.

Bremer Bank, National Association U.S. Bank Average
10.31% 11.94%

Bremer Bank, National Association has a Capitalization of 10.31% versus the BestCashCow average of 11.94%. 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.

Bremer Bank, National Association Balance Sheet Analysis

As of September 30, 2014, Bremer Bank, National Association had assets of $364,732,000, loans of $271,218,000, and deposits of $245,759,000. 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.

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