1125 East Bay Drive
Largo, FL 33770

General Bank Information

FDIC Insured Yes

FDIC Certificate # 58427

Date Established 2007

USAmeriBank is an FDIC insured institution located in Largo, FL. It was founded in 2007 and has approximately $3.26 billion in assets. Customers can open an account via one of its 27 branches.

USAmeriBank Financial Size

Assets $3.26 billion
Loans $2.57 billion
Deposits $2.73 billion
Capital $0.29 billion

For a more detailed analysis of USAmeriBank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 16.45
Credit Card Loans 0.00
Consumer Auto Loans 0.02
Small Business Loans 10.14
Construction and Development Loans 8.27
Commercial Real Estate 50.52
Commercial and Industrial Loans 17.59
Farm Loans 0.00

The top three loan types in USAmeriBank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks, USAmeriBank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Your Current Location:
Virginia, VA 20146

CD Rates APY Min Max More
03MCD10K 0.15% $500 $99,999
3 Mo CD 100K 0.15% $100,000 -
06MCD10K 0.25% $500 $99,999
6 Mo CD 100K 0.25% $100,000 -
12MCD10K 0.75% $500 $99,999
12 Mo CD 100K 0.75% $100,000 -
18MCD10K 0.80% $500 $99,999
18 Mo CD 100K 0.80% $100,000 -
24MCD10K 0.85% $500 $99,999
24 Mo CD 100K 0.85% $100,000 -
36MCD10K 1.10% $500 $99,999
36 Mo CD 100K 1.10% $100,000 -
48MCD10K 1.30% $500 $99,999
48 Mo CD 100K 1.30% $100,000 -
60MCD10K 1.55% $500 $99,999
60 Mo CD 100K 1.55% $100,000 -
Savings Rates APY Min Max More
SAV2.5K 0.05% $1 $4,999
Fixed IRA Rates APY Min Max More
FIXIRA0K 0.75% $500 $99,999
MM Rates APY Min Max More
MM2.5K 0.05% $1 $4,999
MM10K 0.20% $5,000 $24,999
MM25K 0.35% $25,000 $99,999
Int Checking Rates APY Min Max More
INTCK2.5K 0.05% $1 $4,999

Your Current Location:
Virginia, VA 20146

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USAmeriBank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Usameribank Locations

USAmeriBank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of USAmeriBank. The data is provided by the FDIC. Please remember that all banks listed on are FDIC insured while all credit unions are similarly insured by the NCUA. No depositor has ever lost money while their funds have been insured by the FDIC or NCUA.

USAmeriBank U.S. Bank Average
Texas Ratio 9.93% 9.11%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of March 31, 2015, USAmeriBank had $18,068,000 in non-current loans and $13,612,000 in owned real estate. To cover these potential losses it had $291,808,000 in equity and $27,218,000 in loans loss reserves. That gives it a Texas Ratio of 9.93%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity 10.67% 9.12%

USAmeriBank has a Return on Equity of 10.67% versus the BestCashCow average of 9.12%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization 8.95% 11.18%

USAmeriBank has a Capitalization of 8.95% versus the BestCashCow average of 11.18%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

USAmeriBank Balance Sheet Analysis

As of March 31, 2015, USAmeriBank had assets of $3,260,647,000, loans of $2,574,171,000, and deposits of $2,733,508,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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