Cambridge State Bank

127 South Main
Cambridge, MN 55008


General Bank Information

FDIC Insured Yes
FDIC Certificate # 10987
Date Established 1914
Assets $0.07 billion
Loans $0.05 billion
Deposits $0.06 billion
Capital $0.01 billion

Cambridge State Bank is an FDIC insured institution located in Cambridge, MN. It was founded in 1914 and has approximately $0.07 billion in assets. Customers can open an account at one of its 4 branches.

For a more detailed analysis of Cambridge 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 Cambridge 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, Cambridge State Bank 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 28.85
Credit Card Loans 0.00
Consumer Auto Loans 0.69
Small Business Loans 22.23
Construction and Development Loans 4.37
Commercial Real Estate 40.43
Commercial and Industrial Loans 24.80
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.10% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.25% $1,000 - Learn MoreShow Less
Special: 8 Mo CD
0.40% $10,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA 0K
0.30% $1,000 - Learn MoreShow Less
Special: 8 Mo FIRA
0.40% $10,000 - Learn MoreShow Less
Special: 15 Mo FIRA
0.65% $10,000 - Learn MoreShow Less
MM 2.5K
0.05% $2,500 $9,999 Learn MoreShow Less
MM 10K
0.10% $10,000 $24,999 Learn MoreShow Less
MM 25K
0.10% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1,000 $2,499 Learn MoreShow Less
Int Ckg 2.5K
0.05% $2,500 $24,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Cambridge 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
Triangle Lending Group, Inc.
NMLS ID: 64446
License#: MC-5531
4.308% 4.250% 0.50 $1,725 $1,230 Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.411% 4.375% 0.00 $1,190 $1,249 Learn More
PenFed Credit Union
NMLS ID: 401822
4.585% 4.500% 0.00 $2,500 $1,267 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.740% $291.47 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More

Note to Cambridge State Bank
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Cambridge State Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Cambridge State Bank Locations

Financial Details

Cambridge State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Cambridge 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
Cambridge State Bank U.S. Bank Average
36.66% 7.92%

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 March 31, 2018, Cambridge State Bank had $810,000 in non-current loans and $2,455,000 in owned real estate. To cover these potential losses it had $8,423,000 in equity and $482,000 in loans loss reserves. That gives it a Texas Ratio of 36.66%.

Return on Equity
Cambridge State Bank U.S. Bank Average
5.94% 9.35%

Cambridge State Bank has a Return on Equity of 5.94% versus the BestCashCow average of 9.35%. 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.

Cambridge State Bank U.S. Bank Average
11.76% 12.01%

Cambridge State Bank has a Capitalization of 11.76% versus the BestCashCow average of 12.01. 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.

Cambridge State Bank Balance Sheet Analysis

As of March 31, 2018, Cambridge State Bank had assets of $71,619,000, loans of $45,238,000, and deposits of $63,103,000. 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

Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.05 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.06 billion
Total deposits $0.06 billion
      Interest-bearing deposits $0.05 billion
      Deposits held in domestic offices $0.06 billion
      % insured (estimated) 88.46%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.06 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Cambridge State Bank

Branches and Savings

Is Cambridge State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #10987.

Why does Cambridge 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 Cambridge State Bank CD rates not competitive?

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

Is Cambridge State Bank a commercial bank?


Where are Cambridge State Bank locations?

See branch locations nearby.

Is Cambridge State Bank open on Saturdays?

Is Cambridge State Bank open on Sundays?

What time does Cambridge State Bank open?

What time does Cambridge State Bank close?

Are Cambridge State Bank ATMs Open 24/7?

Do Cambridge State Bank ATMs accept cash deposits?

Can Cambridge State Bank customers use other ATMs?

Do Cambridge State Bank branches have notaries?

Will Cambridge State Bank notarize my document?

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

Will the Cambridge State Bank branch print checks?

Do Cambridge State Bank checks expire?

Does Cambridge State Bank require US citizenship to open account?

Can Cambridge State Bank close my account?

Does Cambridge State Bank Report to credit bureaus?

Does Cambridge State Bank Use Equifax?

What is Cambridge State Bank's ACH Routing Number?

What is Cambridge State Bank's SWIFT code?


Does Cambridge State Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Cambridge State Bank offer personal loans?

Compare personal loan rates here.

Does Cambridge State Bank offer student loans?

Will Cambridge State Bank cash a check?

Will Cambridge State Bank redeem a savings bond?

Does Cambridge State Bank cash savings bonds?

Will Cambridge State Bank cash money orders?

Can Cambridge State Bank issue a money order?

Does Cambridge State Bank do currency exchange?

Background on The Bank

Who owns Cambridge State Bank?

How long has Cambridge State Bank been around?

Can Cambridge State Bank transfer to other banks?

Does Cambridge State Bank have quick pay?

Does Cambridge State Bank accept rolled coins?

Will Cambridge State Bank accept loose change?

Where is Cambridge State Bank headquarters?

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