2. Ramsey National Bank

Ramsey National Bank


Overview / Commentary
www.ramseybank.com
701-662-4024
300 4th St. Ne
Devils Lake, ND 58301

Ramsey National Bank is headquartered in Devils Lake and is the 23rd largest bank in the state of North Dakota. It is also the 2,384th largest bank in the nation. It was established in 1892 and as of June of 2019, it had grown to 54 employees at 6 locations. Ramsey National Bank's money market rates are 2X the national average, and it has an A health rating.

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Health
A

Data as of Q2 2019

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Health Grade Components

Overall
FDIC Certificate #3914
Year Established1892
Employees54
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD2.08%
Return on Equity - YTD16.01%
Annual Interest Income$5.6MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$268.1MM$246.5MM
LoansQ2 2019vs Q2 2018$205.3MM$182.3MM
DepositsQ2 2019vs Q2 2018$211.5MM$213.2MM
Equity CapitalQ2 2019vs Q2 2018$34.4MM$31.6MM
Loan Loss AllowanceQ2 2019vs Q2 2018$2.4MM$2.4MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$7.00K$10.00K
Real Estate OwnedQ2 2019vs Q2 2018$44.00K$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Ramsey National Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$100-Regular Savings
0.25%--Watch It Grow Savings
0.15%$500-Business Savings

Ramsey National Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.05%*$500k*-Money Market
OTHER TIERS: 0.50% → $1k - $50k | 0.60% → $50k - $250k | 0.70% → $250k - $500k
1.05%*$500k*-Business Money Market
OTHER TIERS: 0.50% → $1k - $50k | 0.60% → $50k - $250k | 0.75% → $250k - $500k

Ramsey National Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.30%$2k-5 Year Heritage Club CD
2.20%$2k-5 Year CD
2.20%$2k-4 Year Heritage Club CD
2.20%$2k-Business 5 Year CD
2.15%$2k-28 Month CD Special
2.10%$2k-4 Year CD
2.10%$2k-3 Year Heritage Club CD
2.10%$2k-Business 4 Year CD
2.00%$2k-3 Year CD
2.00%$2k-Business 3 Year CD
1.90%$2k-15 Month CD Special
1.80%$2k-2 Year Heritage Club CD
1.70%$2k-2 Year CD
1.70%$2k-Business 2 Year CD
1.60%$2k-1 Year Heritage Club CD
1.50%$2k-1 Year CD
1.50%$2k-Business 1 Year CD
1.30%$5k-182 Day Heritage Club CD
1.20%$5k-182 Day CD
1.20%$5k-Business 182 Day CD

Ramsey National Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.30%$2k-5 Year Heritage Club IRA
2.20%$2k-5 Year IRA
2.20%$2k-4 Year Heritage Club IRA
2.15%$2k-28 Month IRA Special
2.10%$2k-4 Year IRA
2.10%$2k-3 Year Heritage Club IRA
2.00%$2k-3 Year IRA
1.90%$2k-15 Month IRA Special
1.80%$2k-2 Year Heritage Club IRA
1.70%$2k-2 Year IRA
1.60%$2k-1 Year Heritage Club IRA
1.50%$2k-1 Year IRA
1.30%$5k-182 Day Heritage Club IRA
1.20%$5k-182 Day IRA
Locations


Ramsey National Bank Locations
Maddock Branch104 Central AvenueMaddock, ND 58348
Cavalier Branch200 Main Street WestCavalier, ND 58220
Ramsey National Bank300 4th St. NeDevils Lake, ND 58301
Rugby Branch319 South MainRugby, ND 58368
Fargo Branch3232 25th St SFargo, ND 58104
Ramsey Bank Branch407 Fifth AvenueCando, ND 58324

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