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 $0.04 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 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Minnesota, Cambridge State Bank has a significantly higher percent of Small Business Loans, Construction and Development Loans, Commercial and Industrial 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 30.32
Credit Card Loans 0.00
Consumer Auto Loans 0.61
Small Business Loans 17.50
Construction and Development Loans 11.85
Commercial Real Estate 28.67
Commercial and Industrial Loans 28.24
Farm Loans 0.00

Savings 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

BestCashCow tracks mortgage, home equity, and auto loan rates. In the future, we will be adding other loan products. Please contact the lender for questions about their loan products.

There are currently no rates available for Cambridge State Bank

We're working to get rates for every bank in the world. Please bare with us until we are able to get rates for this bank.

Back to Cambridge State Bank

Note to Cambridge State Bank
To upload and update your bank's rates please register. It is free to register and add rates.


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.

Your Location:

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
40.71% 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, Cambridge State Bank had $1,019,000 in non-current loans and $2,636,000 in owned real estate. To cover these potential losses it had $8,483,000 in equity and $495,000 in loans loss reserves. That gives it a Texas Ratio of 40.71%. 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
Cambridge State Bank U.S. Bank Average
4.47% 8.39%

Cambridge State Bank has a Return on Equity of 4.47% 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.

Cambridge State Bank U.S. Bank Average
12.22% 11.94%

Cambridge State Bank has a Capitalization of 12.22% 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.

Cambridge State Bank Balance Sheet Analysis

As of March 31, 2017, Cambridge State Bank had assets of $69,416,000, loans of $41,976,000, and deposits of $60,828,000. 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.

Customer Reviews for Cambridge State Bank

There are currently no comments for Cambridge State Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →