The First Bank of Baldwin

990 Main Street
Baldwin, WI 54002

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 5336
Date Established 1883
Assets $0.18 billion
Loans $0.11 billion
Deposits $0.14 billion
Capital $0.02 billion

The First Bank of Baldwin is an FDIC insured institution located in Baldwin, WI. It was founded in 1883 and has approximately $0.18 billion in assets. Customers can open an account at one of its 4 branches.

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

Compared to other banks in Wisconsin, The First Bank of Baldwin has a significantly higher percent of Farm 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 24.97
Multifamily
Mortgages
2.77
Credit Card Loans 0.00
Consumer Auto Loans 0.83
Small Business Loans 15.60
Construction and Development Loans 2.20
Commercial Real Estate 28.61
Commercial and Industrial Loans 9.64
Farm Loans 13.15

Deposit Rates - June 25, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.30% $1 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.30% $500 - Learn MoreShow Less
6 Mo CD
0.50% $500 - Learn MoreShow Less
12 Mo CD
0.70% $500 - Learn MoreShow Less
18 Mo CD
0.80% $500 - Learn MoreShow Less
24 Mo CD
1.00% $500 - Learn MoreShow Less
36 Mo CD
1.30% $500 - Learn MoreShow Less
48 Mo CD
1.45% $500 - Learn MoreShow Less
60 Mo CD
1.70% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.70% $1 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.25% $1 $999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 $999,999 Learn MoreShow Less

Loan Rates - June 25, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for The First Bank of Baldwin

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 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.500% 4.500% 0.00 $0 $1,267 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to The First Bank of Baldwin
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Branches

The First Bank of Baldwin 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:
Ashburn,Virginia


The First Bank of Baldwin Locations


Financial Details

The First Bank of Baldwin Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The First Bank of Baldwin. 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
The First Bank of Baldwin U.S. Bank Average
18.53% 6.97%

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 December 31, 2018, The First Bank of Baldwin had $2,601,000 in non-current loans and $736,000 in owned real estate. To cover these potential losses it had $16,187,000 in equity and $1,820,000 in loans loss reserves. That gives it a Texas Ratio of 18.53%.

Return on Equity
The First Bank of Baldwin U.S. Bank Average
12.25% 8.80%

The First Bank of Baldwin has a Return on Equity of 12.25% versus the BestCashCow average of 8.80%. 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
The First Bank of Baldwin U.S. Bank Average
9.13% 12.29%

The First Bank of Baldwin has a Capitalization of 9.13% versus the BestCashCow average of 12.29. 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.

The First Bank of Baldwin Balance Sheet Analysis

As of December 31, 2018, The First Bank of Baldwin had assets of $177,219,000, loans of $106,357,000, and deposits of $137,345,000. 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

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.05 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.11 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 $0.16 billion
LIABILITIES
Total deposits $0.14 billion
      Interest-bearing deposits $0.10 billion
      Deposits held in domestic offices $0.14 billion
      % insured (estimated) 83.24%
Federal funds purchased and repurchase agreements $0.01 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.02 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.16 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 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 The First Bank Of Baldwin

Branches and Savings

Is The First Bank Of Baldwin FDIC insured?

Yes. It is covered under FDIC Certificate #5336.

Why does The First Bank Of Baldwin pay such low interest on savings accounts?

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

Why are The First Bank Of Baldwin CD rates not competitive?

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

Is The First Bank Of Baldwin a commercial bank?

Yes

Where are The First Bank Of Baldwin locations?

See branch locations nearby.

Is The First Bank Of Baldwin open on Saturdays?

Is The First Bank Of Baldwin open on Sundays?

What time does The First Bank Of Baldwin open?

What time does The First Bank Of Baldwin close?

Are The First Bank Of Baldwin ATMs Open 24/7?

Do The First Bank Of Baldwin ATMs accept cash deposits?

Can The First Bank Of Baldwin customers use other ATMs?

Do The First Bank Of Baldwin branches have notaries?

Will The First Bank Of Baldwin notarize my document?

What address for The First Bank Of Baldwin should I put for incoming ACH transfers?

Will the The First Bank Of Baldwin branch print checks?

Do The First Bank Of Baldwin checks expire?

Does The First Bank Of Baldwin require US citizenship to open account?

Can The First Bank Of Baldwin close my account?

Does The First Bank Of Baldwin Report to credit bureaus?

Does The First Bank Of Baldwin Use Equifax?

What is The First Bank Of Baldwin's ACH Routing Number?

What is The First Bank Of Baldwin's SWIFT code?

Products

Does The First Bank Of Baldwin offer mortgages?

Compare mortgage rates here.

Does The First Bank Of Baldwin offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The First Bank Of Baldwin offer personal loans?

Compare personal loan rates here.

Does The First Bank Of Baldwin offer student loans?

Will The First Bank Of Baldwin cash a check?

Will The First Bank Of Baldwin redeem a savings bond?

Does The First Bank Of Baldwin cash savings bonds?

Will The First Bank Of Baldwin cash money orders?

Can The First Bank Of Baldwin issue a money order?

Does The First Bank Of Baldwin do currency exchange?

Background on The Bank

Who owns The First Bank Of Baldwin?

How long has The First Bank Of Baldwin been around?

Can The First Bank Of Baldwin transfer to other banks?

Does The First Bank Of Baldwin have quick pay?

Does The First Bank Of Baldwin accept rolled coins?

Will The First Bank Of Baldwin accept loose change?

Where is The First Bank Of Baldwin headquarters?

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