Brunswick State Bank


226 2nd St
Brunswick, NE 68720
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 0.85% →
1-Year CD 0.80% 0.75% →
2-Year CD 1.00% 0.80% →
5-Year CD 1.30% 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Brunswick State Bank is an FDIC insured institution located in Brunswick, NE. It was founded in 1930 and has approximately $0.17 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 13692
Date Established 1930
Assets $ 169.03 million
Loans $ 117.40 million
Deposits $ 145.48 million
Capital $ 12.75 million

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

Deposit Rates - October 24, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.25% $25 $39,999 Learn More
Money Market
0.35% $500 $19,999 Learn More
Money Market
0.50% $20,000 - Learn More
6 Mo CD
0.40% $1,000 - Learn More
12 Mo CD
0.80% $1,000 - Learn More
18 Mo CD
0.85% $1,000 - Learn More
24 Mo CD
1.00% $1,000 - Learn More
30 Mo CD
1.05% $1,000 - Learn More
36 Mo CD
1.15% $1,000 - Learn More
48 Mo CD
1.26% $1,000 - Learn More
60 Mo CD
1.30% $1,000 - Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.15% $1 $39,999 Learn MoreShow Less

Loan Rates - October 24, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Brunswick 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 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 330511
3.167% 3.125%
0.50 points
$1,345 fees
$1,071 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 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 Brunswick State Bank
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Climate Initiatives

Brunswick State Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

Brunswick State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Brunswick 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
Brunswick State Bank U.S. Bank Average
16.88% 4.78%

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 June 30, 2021, Brunswick State Bank had $2,402,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $12,750,000 in equity and $1,481,000 in loans loss reserves. That gives it a Texas Ratio of 16.88%.

Return on Equity
Brunswick State Bank U.S. Bank Average
16.39% 11.29%

Brunswick State Bank has a Return on Equity of 16.39% versus the BestCashCow average of 11.29%. 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.

Brunswick State Bank U.S. Bank Average
7.54% 11.72%

Brunswick State Bank has a Capitalization of 7.54% versus the BestCashCow average of 11.72. 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.

Brunswick State Bank Balance Sheet Analysis

As of June 30, 2021, Brunswick State Bank had assets of $169,030,000, loans of $117,397,000, and deposits of $145,484,000. 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

June 30, 2021
Cash & Balances due from depository institutions $ 44.18 million
Interest-bearing balances $ 39.11 million
Total securities $ 4.48 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 117.40 million
Loan loss allowance $ 1.48 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 $ 2.21 million
     Total Assets $ 156.28 million
Total deposits $ 145.48 million
      Interest-bearing deposits $ 100.65 million
      Deposits held in domestic offices $ 145.48 million
      % insured (estimated) 76.89%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 10.50 million
Subordinated debt N.A.
All other liabilities $ 0.30 million
      Total Liabilities $ 156.28 million
      Shareholders’ Equity $ 12.75 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 3.39 million
Total Interest Expense $ 0.80 million
Net interest income $ 2.58 million
Provision for loan and lease losses $ 0.40 million
Total non interest income $ 0.09 million
Total non interest expense $ 1.23 million
Pre-tax Net Operating Income $ 1.05 million

Bank Loan Profile?

The top three loan types in Brunswick State Bank’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks, Brunswick State 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 2.28
Credit Card Loans 0.00
Consumer Auto Loans 2.72
Small Business Loans 7.49
Construction and Development Loans 0.00
Commercial Real Estate 15.10
Commercial and Industrial Loans 24.40
Farm Loans 32.44

Frequently Asked Questions About Brunswick State Bank

Branches and Savings

Is Brunswick State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #13692.

Why does Brunswick 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 Brunswick State Bank CD rates not competitive?

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

Is Brunswick State Bank a commercial bank?


Where are Brunswick State Bank locations?

See branch locations nearby.

Is Brunswick State Bank open on Saturdays?

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Are Brunswick State Bank ATMs Open 24/7?

Do Brunswick State Bank ATMs accept cash deposits?

Can Brunswick State Bank customers use other ATMs?

Do Brunswick State Bank branches have notaries?

Will Brunswick State Bank notarize my document?

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

Will the Brunswick State Bank branch print checks?

Do Brunswick State Bank checks expire?

Does Brunswick State Bank require US citizenship to open account?

Can Brunswick State Bank close my account?

Does Brunswick State Bank Report to credit bureaus?

Does Brunswick State Bank Use Equifax?

What is Brunswick State Bank's ACH Routing Number?

What is Brunswick State Bank's SWIFT code?


Does Brunswick State Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Brunswick State Bank offer personal loans?

Compare personal loan rates here.

Does Brunswick State Bank offer student loans?

Will Brunswick State Bank cash a check?

Will Brunswick State Bank redeem a savings bond?

Does Brunswick State Bank cash savings bonds?

Will Brunswick State Bank cash money orders?

Can Brunswick State Bank issue a money order?

Does Brunswick State Bank do currency exchange?

Background on The Bank

Who owns Brunswick State Bank?

How long has Brunswick State Bank been around?

Can Brunswick State Bank transfer to other banks?

Does Brunswick State Bank have quick pay?

Does Brunswick State Bank accept rolled coins?

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Where is Brunswick State Bank headquarters?

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