Cambridge State Bank

Cambridge State Bank is headquartered in Cambridge and is the 220^th largest bank in the state of Minnesota. It is also the 5,660^th largest bank in the nation. It was established in 1914 and as of December of 2011, it had grown to 17 employees at 4 locations. Cambridge State Bank has a 3-star health rating.

Cambridge State Bank Routing Number: 091911409

Data for Q4 2011

Institution Statistics Cambridge State Bank FDIC Certificate # 10987 BankRate Report View Year Established 1914 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $74.14 million Loans $52.93 million Deposits $61.98 million Equity Capital $8.56 million Loan Loss Allowance $1.43 million Unbacked Noncurrent Loans $4.01 million Real Estate Owned $2.69 million Historic Data - December 2010 Assets $83.68 million Equity Capital $8.32 million Loan Loss Allowance $1.39 million Unbacked Noncurrent Loans $4.99 million Real Estate Owned $1.80 million Profit Margin - Quarterly Net Interest Margin 4.32% Return on Assets 0.1% Return on Equity 0.9% Interest Income $3.72 million

Institution Health Overall Score: 3 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 Cambridge State Bank had $6.7 million in non-current loans and owned real-estate with $9.98 million in equity and loan loss allowances on hand to cover it. This gives Cambridge State Bank a Texas Ratio of 67.09% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Cambridge State Bank held steady from 67.24% as of December 31, 2010 to 67.09% as of December 31, 2011, resulting in a positive change of 0.22%.This indicates that the balance sheet and financial strength for Cambridge State Bank has held steady in recent periods. Deposit Growth In the past year, Cambridge State Bank has decreased its total deposits by -$7.12 million, resulting in -10.31% 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 Cambridge State Bank has shown is poor. 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. Cambridge State Bank has $74.14 million in assets with $9.98 million in equity, resulting in a capitalization level of 13.46%, which is excellent.

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