First State Bank of Cando

Overview / Commentary

www.fsbcando.com

701-968-3331

415 Main Street
Cando, ND 58324

First State Bank of Cando is headquartered in Cando and is the 59^th largest bank in the state of North Dakota. It is also the 4,768^th largest bank in the nation. It was established in 1888 and as of December of 2018, it had grown to 13 employees at 3 locations. First State Bank of Cando's money market rates are 3X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q4 2018

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. First State Bank of Cando has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #	15471
Year Established	1888
Employees	13
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.84%
Return on Equity - YTD	8.95%
Annual Interest Income	$2.3MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$60.4MM$56.2MM
Loans	Q4 2018vs Q4 2017	$36.3MM$30.9MM
Deposits	Q4 2018vs Q4 2017	$53.0MM$48.4MM
Equity Capital	Q4 2018vs Q4 2017	$5.5MM$5.5MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$197.00K$254.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$62.00K$19.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First State Bank of Cando Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.21%^*	$250k^*	-	Premiere 22 Savings Account
OTHER TIERS: 0.25% → Up to $10k \| 0.40% → $10k - $50k \| 0.75% → $50k - $100k \| 1.00% → $100k - $250k
0.25%^*	$25k^*	-	Century 100 Club Account
OTHER TIERS: 0.15% → Up to $10k \| 0.20% → $10k - $25k
0.25%	$500	-	Retirement Savings Account
0.20%	-	-	Premiere Savings Account

First State Bank of Cando Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.26%^*	$250k^*	-	MMIS Access Account
OTHER TIERS: 0.30% → $10k - $25k \| 0.45% → $25k - $50k \| 0.80% → $50k - $100k \| 1.05% → $100k - $250k
1.21%^*	$250k^*	-	Premiere MMIS Account
OTHER TIERS: 0.25% → $1k - $10k \| 0.40% → $10k - $50k \| 0.75% → $50k - $100k \| 1.00% → $100k - $250k

First State Bank of Cando Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$25k^*	-	Premiere 22 Checking Account
OTHER TIERS: 0.10% → Up to $10k \| 0.15% → $10k - $25k
0.20%^*	$25k^*	-	Premiere Personal Interest Checking Account
OTHER TIERS: 0.10% → $500 - $10k \| 0.15% → $10k - $25k

First State Bank of Cando CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.65%^*	$100k^*	-	5 Year CD
OTHER TIERS: 2.40% → $500 - $25k \| 2.50% → $25k - $50k \| 2.60% → $50k - $100k
2.45%^*	$100k^*	-	4 Year CD
OTHER TIERS: 2.20% → $500 - $25k \| 2.30% → $25k - $50k \| 2.40% → $50k - $100k
2.25%^*	$100k^*	-	3 Year CD
OTHER TIERS: 2.00% → $500 - $25k \| 2.10% → $25k - $50k \| 2.20% → $50k - $100k
1.95%^*	$100k^*	-	2 Year CD
OTHER TIERS: 1.70% → $500 - $25k \| 1.80% → $25k - $50k \| 1.90% → $50k - $100k
1.75%^*	$100k^*	-	1 Year CD
OTHER TIERS: 1.50% → $500 - $25k \| 1.60% → $25k - $50k \| 1.70% → $50k - $100k
1.45%^*	$100k^*	-	182 Day CD
OTHER TIERS: 1.20% → $500 - $25k \| 1.30% → $25k - $50k \| 1.40% → $50k - $100k
1.25%^*	$100k^*	-	30 Day CD
OTHER TIERS: 1.00% → $500 - $25k \| 1.10% → $25k - $50k \| 1.20% → $50k - $100k
1.25%^*	$100k^*	-	91 Day CD
OTHER TIERS: 1.00% → $500 - $25k \| 1.10% → $25k - $50k \| 1.20% → $50k - $100k

First State Bank of Cando IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.65%^*	$50k^*	-	5 Year IRA
OTHER TIERS: 2.45% → $500 - $25k \| 2.55% → $25k - $50k
2.45%^*	$50k^*	-	4 Year IRA
OTHER TIERS: 2.25% → $500 - $25k \| 2.35% → $25k - $50k
2.25%^*	$50k^*	-	3 Year IRA
OTHER TIERS: 2.05% → $500 - $25k \| 2.15% → $25k - $50k
1.95%^*	$50k^*	-	2 Year IRA
OTHER TIERS: 1.75% → $500 - $25k \| 1.85% → $25k - $50k
1.75%^*	$50k^*	-	1 Year IRA
OTHER TIERS: 1.55% → $500 - $25k \| 1.65% → $25k - $50k

Locations

First State Bank of Cando Locations
First State Bank Of Cando	415 Main Street	Cando, ND 58324
Paying and Receiving Branch	210 Main Street	Bisbee, ND 58317
Paying and Receiving Branch	31 Main Street	Rocklake, ND 58365

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