Vitals
  • Total Assets
    476.5M 21.6 %
  • Total Deposits
    401.4M 22.1 %
  • Total Net Loans
    351.6M 19.5 %
  • Net Income
    4.6M -17.5 %
  • Book Value
    51.0M 22.9 %
  • Book Value x2
    102.1M 22.9 %
  • Book Value x3
    153.1M 22.9 %
ROAA

1.108

ROAE

10.123

Efficiency Ratio

69.715

Net Interest Margin

4.263

Balance Sheet Highlights
Financial Highlights Border State Bank All Insured Commercial Banks in Minnesota
Balance Sheet $(000)
Total Assets 476,482 147,703
Total Net Loans 351,594 97,223
Total Deposits 401,422 126,600
Total Equity 51,039 15,565
Profitability
Net Income 4,579 1,683
Return on Average Assets 1.108 1.08
Return on Average Equity 10.123 9.905
Net Interest Margin 4.263 3.845
Efficiency Ratio 69.715 68.21
Noninterest Income/Revenue 12.603 13.68
Balance Sheet Ratios
Loan-to-Deposit 87.587 75.205
Securities/Assets .172 .174
Total Equity/Total Assets .107 .105
Tangible Equity/Tangible Assets .102 .103
Capital Adequacy
Tier 1 Common Capital 50,688 15,225
Tier 1 Capital 50,688 15,232
Tier 2 Capital 4,605 1,135
Total Capital 55,293 16,386
Total Risk Weighted Assets 367,962 105,251
Leverage Ratio 10.88 10.475
Common Equity Tier 1 Capital Ratio 13.78 15.3
Tier 1 Capital Ratio 13.78 15.308
Total Capital Ratio 15.03 16.398

Timeline for Border State Bank

First Advantage Bank

Acquisition: Border State Bank acquired a new subsidiary, First Advantage Bank, 8 years

View Profile Oct 08 2016

First Advantage Oreo, Llc

First Advantage Oreo, Llc became a new subsidiary organization for Border State Bank.

View Profile Oct 08 2016

Border State Bank Of International Falls

Acquisition: Border State Bank acquired a new subsidiary, Border State Bank Of International Falls, 18 years

View Profile Dec 17 2005

Border State Bank

Acquisition: Border State Bank acquired a new subsidiary, Border State Bank, 21 years

View Profile Aug 11 2003

First National Bank

Acquisition: Border State Bank acquired a new subsidiary, First National Bank, 21 years

View Profile May 12 2003

Want to see more?

Complete timeline for Border State Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Advantage Bank Seller 74,454 Pooling of Interests Discontinued 10/8/2016
Border State Bank Of International Falls Seller 39,256 Pooling of Interests Discontinued 12/17/2005
Border State Bank Seller 77,709 Pooling of Interests Discontinued 8/11/2003
First National Bank Seller 54,556 Pooling of Interests Discontinued 5/12/2003
Relationships Role Relationship Start Relationship End
Border Bancshares, Inc. Parent 12/23/2003
Border Bancshares, Inc. Parent 4/25/2002 12/22/2003
Border Bancshares, Inc. Parent 12/12/1996 4/24/2002
Greenbush Bancshares, Inc. Parent 4/26/1995 12/11/1996
Greenbush Bancshares, Inc. Parent 8/12/1994 4/25/1995
Greenbush Bancshares, Inc. Parent 12/31/1989 8/11/1994
Greenbush Bancshares, Inc. Parent 12/31/1981 12/30/1989
Greenbush Bancshares, Inc. Parent 8/28/1979 12/30/1981
First Advantage Oreo, Llc Subsidary 10/8/2016
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