Blencoe State Bank

Blencoe State Bank is headquartered in Blencoe and is the 317^st largest bank in the state of Iowa. It is also the 6,849^th largest bank in the nation. It was established in 1931 and as of December of 2011, it had grown to 9 employees at 2 locations. Blencoe State Bank has a 5-star health rating.

Blencoe State Bank Routing Number: 073912073

Data for Q4 2011

Institution Statistics Blencoe State Bank FDIC Certificate # 13446 BankRate Report View Year Established 1931 Employees 9 Primary Regulator FED Assets and Liabilities Assets $34.85 million Loans $19.20 million Deposits $30.93 million Equity Capital $3.63 million Loan Loss Allowance $247,000 Unbacked Noncurrent Loans $92,000 Real Estate Owned $79,000 Historic Data - December 2010 Assets $32.48 million Equity Capital $3.37 million Loan Loss Allowance $256,000 Unbacked Noncurrent Loans $463,000 Real Estate Owned $118,000 Profit Margin - Quarterly Net Interest Margin 3.81% Return on Assets 0.88% Return on Equity 8.44% Interest Income $1.37 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Blencoe State Bank had $171,000 in non-current loans and owned real-estate with $3.88 million in equity and loan loss allowances on hand to cover it. This gives Blencoe State Bank a Texas Ratio of 4.41% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Blencoe State Bank decreased significantly from 16.04% as of December 31, 2010 to 4.41% as of December 31, 2011, resulting in a positive change of 72.48%.This indicates that the balance sheet and financial strength for Blencoe State Bank has improved significantly in recent periods. Deposit Growth In the past year, Blencoe State Bank has increased its total deposits by $4.95 million, resulting in 19.07% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Blencoe State Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Blencoe State Bank has $34.85 million in assets with $3.88 million in equity, resulting in a capitalization level of 11.12%, which is above average.

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