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Overview / Commentary
701-795-4500
633 South Concord Street
South St. Paul, MN 55075

Bremer Bank, National Association is headquartered in South St. Paul and is the largest bank in the state of Minnesota. It is also the 270th largest bank in the nation. It was established in 1932 and as of December of 2013, it had grown to 276 employees at 28 locations. Bremer Bank, National Association has a B+ health rating.

Reviews (1)

DO NOT BANK HERE!!!

DO NOT bank at Bremer if you can help it. They have TERRIBLE customer service. Just had an emergency money situation with my sister passing away unexpectedly, and they REFUSED to help me by waiving a small fee I incurred because of the situation. I have been nothing but a model customer for them for 10 years and they said there was nothing they could do. UNACCEPTABLE!



Health

Data for Q4 2013

B+
Bremer Bank, National Association consists of multiple companies with separate FDIC numbers. Click on an FDIC number to view the health for that company:

12923 - Bremer Bank, National Association
34380 - BREMER BANK, NATIONAL ASSOCIATION
2055 - Bremer Bank, National Association
5241 - Bremer Bank, National Association
15241 - Bremer Bank, National Association
12198 - Bremer Bank, National Association
12917 - Bremer Bank, National Association
9343 - Bremer Bank, National Association

Institution Health

Texas Ratio

GRADE:
A+

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, 2013 Bremer Bank, National Association had $23.99 million in non-current loans and owned real-estate with $305.63 million in equity and loan loss allowances on hand to cover it. This gives Bremer Bank, National Association a Texas Ratio of 7.85% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Bremer Bank, National Association experienced no significant changes from 8.13% as of December 31, 2012 to 7.85% as of December 31, 2013, resulting in a positive change of 3.46%.This indicates that the balance sheet and financial strength for Bremer Bank, National Association has had no significant changes in recent periods.

Deposit Growth

GRADE:
B

In the past year, Bremer Bank, National Association has increased its total deposits by $3.33 million, resulting in 0.14% 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 Bremer Bank, National Association has shown is above average.

Capitalization

GRADE:
B+

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. Bremer Bank, National Association has $2.79 billion in assets with $305.63 million in equity, resulting in a capitalization level of 10.94%, which is above average.

Institution Statistics

Overall
FDIC Certificate #12923
Year Established1932
Employees276
Primary RegulatorOCC
Assets and Liabilities
Assets$2.79 billion
Loans$1.89 billion
Deposits$2.36 billion
Equity Capital$276.08 million
Loan Loss Allowance$29.56 million
Unbacked Noncurrent Loans$18.16 million
Real Estate Owned$5.83 million
Historic Data - December 2012
Assets$2.83 billion
Equity Capital$255.39 million
Loan Loss Allowance$29.24 million
Unbacked Noncurrent Loans$18.16 million
Real Estate Owned$5.94 million
Profit Margin - Quarterly
Net Interest Margin3.35%
Return on Assets0.82%
Return on Equity8.65%
Interest Income$91.90 million
Rates
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Bremer Bank, National Association Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.03%--Personal Regular Savings
0.03%--Small Business Regular Savings
0.03%--Health Savings Account
0.03%--Bremer Youth Savings

Bremer Bank, National Association Money Market Rates

DetailsAPYMINMAXPRODUCT
0.10%$250k-Personal Money Market Investment
0.10%$250k-Personal Money Market Investment IRA
0.10%$250k-Small Business Money Market Investment IRA
0.10%$250k-Personal Money Market Investment Premier
0.10%$250k-Small Business Money Market Investment Premier
0.10%$250k-Corporate Money Market Investment
0.10%$250k-Corporate Money Market Investment IRA
0.10%$250k-Corporate Money Market Investment Premier
0.10%$250k-Corporate Money Market Investment Roth IRA
0.10%$250k-Personal Money Market Investment Roth IRA
0.10%$250k-Small Business Money Market Investment Roth IRA
0.05%$5k-Personal Money Market Savings
0.05%--Personal Money Market Savings IRA
0.05%$5k-Small Business Money Market Savings
0.05%--Small Business Money Market Savings IRA
0.05%$5k-Corporate Money Market Savings
0.05%--Corporate Money Market Savings IRA
0.05%--Corporate Money Market Savings Roth IRA
0.05%--Personal Money Market Savings Roth IRA
0.05%--Small Business Money Market Savings Roth IRA

Bremer Bank, National Association CD Rates

DetailsAPYMINMAXPRODUCT
0.85%$25k-60 Month Fixed Rate CD
0.85%$25k-Small Business 60 Month Fixed Rate CD
0.60%$25k-48 Month Fixed Rate CD
0.60%$25k-Small Business 48 Month Fixed Rate CD
0.45%$25k-36 Month Fixed Rate CD
0.45%$25k-Small Business 36 Month Fixed Rate CD
0.30%$25k-24 Month Fixed Rate CD
0.30%$25k-Small Business 24 Month Fixed Rate CD
0.15%$25k-12 Month Fixed Rate CD
0.15%$25k-Small Business 12 Month Fixed Rate CD
0.05%$500-6 Month Fixed Rate CD
0.05%$500-3 Month Fixed Rate CD
0.05%$500-Small Business 3 Month Fixed Rate CD
0.05%$500-Small Business 6 Month Fixed Rate CD

Bremer Bank, National Association IRA Rates

DetailsAPYMINMAXPRODUCT
0.85%$25k-60 Month Fixed Rate IRA (Traditional,Roth)
0.60%$25k-48 Month Fixed Rate IRA (Traditional,Roth)
0.45%$25k-36 Month Fixed Rate IRA (Traditional,Roth)
0.30%$25k-24 Month Fixed Rate IRA (Traditional,Roth)
0.15%$25k-12 Month Fixed Rate IRA (Traditional,Roth)
0.05%$500-3 Month Fixed Rate IRA (Traditional,Roth)
0.05%$500-6 Month Fixed Rate IRA (Traditional,Roth)
Locations

Bremer Bank, National Association has 82 locations. Click to view all Bremer Bank, National Association locations.