Bank of Bluffs
Bluffs, Illinois · FDIC Cert #10883
This is the FDIC profile for Bank of Bluffs, an FDIC-insured bank (Certificate #10883) with $59M in total assets and $49M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Bluffs, Illinois, the bank maintains a Tier 1 capital ratio of 13.83% (Well-Capitalized) and a nonperforming loan ratio of 1.00%. BankHealthData assigns a composite Health Grade of A (85/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of Bluffs (FDIC cert 10883) is a community bank — $59M in total assets, $49M in deposits, serving the Bluffs, Illinois area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 13.83% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.00% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 32.8% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is thin: ROA of 0.60% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Bank of Bluffs carries a composite BankHealth grade of A (85/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of Bluffs
- Total Assets
- $59M
- Total Deposits
- $49M
- Tier 1 Capital Ratio
- 13.83%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.00%
- Liquidity Ratio
- 32.80%
- Return on Assets
- 0.60%
- Headquarters
- Bluffs, Illinois
- FDIC Certificate
- #10883
- Health Grade
- A (85/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Bank of Bluffs files quarterly Call Reports with the FDIC under Certificate #10883. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Bank of Bluffs holds a Tier 1 capital ratio of 13.83%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of Bluffs has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of Bluffs shows strong financial health indicators. With $59M in assets and a Health Score of 85/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of Bluffs Compares
Bank of Bluffs’s Health Score of 85 is 4 points above the Illinois state average of 81 across 333 FDIC-insured banks. Its 13.83% Tier 1 capital ratio is 0.2 points below the US banking industry average near 14%. The 1.00% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.60% is below the national ROA benchmark of ~1.1%. Among 659 similarly-sized banks, the average Health Score is 82, meaning this bank ranks above its size cohort. Site-wide, Bank of Bluffs is 5 points above the portfolio average of 80.
Frequently Asked Questions
Bank of Bluffs has a Bank Health Score of A (85/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 13.83%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of Bluffs's Tier 1 capital ratio of 13.83% and nonperforming loan ratio of 1.00% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of Bluffs is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #10883). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of Bluffs holds $59M in total assets and $49M in total deposits. It is headquartered in Bluffs, Illinois (FDIC Certificate #10883).
Bank of Bluffs's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #10883 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Bank of Bluffs has a Tier 1 capital ratio of 13.83%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.00%, and the return on assets is 0.60%.
Yes. Bank of Bluffs is FDIC-insured (Certificate #10883). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of Bluffs's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.