Fox River State Bank

Headquarters

241 E. Jefferson Street
Burlington, WI 53105
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
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

Fox River State Bank is an FDIC insured institution located in Burlington, WI. It was founded in 2003 and has approximately $0.1 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 57504
Date Established 2003
Assets $ 92.55 million
Loans $ 72.91 million
Deposits $ 84.37 million
Capital $ 10.78 million
 

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

Deposit Rates - September 23, 2021

Your Current Location: California, CA 92111

 

Loan Rates - September 23, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for Fox River State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 413-0477
2.684% 2.625%
0.75 points
$1,932 fees
$1,005 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 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 Fox River State Bank
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Branches

Fox River 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:
San Diego,California


Fox River State Bank Locations


Financial Details

Fox River State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Fox River State Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Fox River State 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, Fox River State Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $10,776,000 in equity and $1,375,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Fox River State Bank U.S. Bank Average
7.75% 11.43%

Fox River State Bank has a Return on Equity of 7.75% 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.

Capitalization
Fox River State Bank U.S. Bank Average
11.64% 11.51%

Fox River State Bank has a Capitalization of 11.64% 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.

Fox River State Bank Balance Sheet Analysis

As of March 31, 2019, Fox River State Bank had assets of $95,558,000, loans of $72,914,000, and deposits of $84,365,000. 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
ASSETS
Cash & Balances due from depository institutions $ 8.75 million
Interest-bearing balances $ 7.25 million
Total securities $ 6.79 million
Federal funds sold and reverse repurchase $ 1.58 million
Net loans and leases $ 72.91 million
Loan loss allowance $ 1.38 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.59 million
All other assets $ 2.32 million
     Total Assets $ 84.78 million
LIABILITIES
Total deposits $ 84.37 million
      Interest-bearing deposits $ 58.89 million
      Deposits held in domestic offices $ 84.37 million
      % insured (estimated) 81.03%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.42 million
      Total Liabilities $ 84.78 million
      Shareholders’ Equity $ 7.77 million

Summary Income Statement

March 31, 2021
INCOME AND EXPENSES
Total Interest Income $ 1.09 million
Total Interest Expense $ 0.14 million
Net interest income $ 0.95 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.11 million
Total non interest expense $ 0.82 million
Pre-tax Net Operating Income $ 0.32 million

Bank Loan Profile?

The top three loan types in Fox River State Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Wisconsin, Fox River State Bank has a significantly higher percent of 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 26.87
Multifamily
Mortgages
2.44
Credit Card Loans 0.04
Consumer Auto Loans 0.02
Small Business Loans 0.00
Construction and Development Loans 7.79
Commercial Real Estate 44.89
Commercial and Industrial Loans 14.91
Farm Loans 0.00

Frequently Asked Questions About Fox River State Bank

Branches and Savings

Is Fox River State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57504.

Why does Fox River 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 Fox River State Bank CD rates not competitive?

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

Is Fox River State Bank a commercial bank?

Yes

Where are Fox River State Bank locations?

See branch locations nearby.

Is Fox River State Bank open on Saturdays?

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Are Fox River State Bank ATMs Open 24/7?

Do Fox River State Bank ATMs accept cash deposits?

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Do Fox River State Bank branches have notaries?

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

Will the Fox River State Bank branch print checks?

Do Fox River State Bank checks expire?

Does Fox River State Bank require US citizenship to open account?

Can Fox River State Bank close my account?

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Does Fox River State Bank Use Equifax?

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Products

Does Fox River State Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Fox River State Bank offer personal loans?

Compare personal loan rates here.

Does Fox River State Bank offer student loans?

Will Fox River State Bank cash a check?

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Does Fox River State Bank cash savings bonds?

Will Fox River State Bank cash money orders?

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Does Fox River State Bank do currency exchange?

Background on The Bank

Who owns Fox River State Bank?

How long has Fox River State Bank been around?

Can Fox River State Bank transfer to other banks?

Does Fox River State Bank have quick pay?

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Will Fox River State Bank accept loose change?

Where is Fox River State Bank headquarters?

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