Alarion Bank

One Northeast First Avenue
Ocala, FL 34470

Notable Rates APY Vs.Others
Savings N.A. 2.60% →
1-Year CD N.A. 2.30% →
2-Year CD N.A. 2.50% →
5-Year CD N.A. 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Alarion Bank is an FDIC insured institution located in Ocala, FL. It was founded in 2005 and has approximately $0.28 billion in assets.

FDIC Insured Yes
FDIC Certificate # 57845
Date Established 2005
Assets $0.28 billion
Loans $0.21 billion
Deposits $0.24 billion
Capital $0.02 billion

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

Deposit Rates - November 17, 2019

Your Current Location: Connecticut, CT 06828

There are currently no rates available for Alarion Bank, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - November 17, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Alarion Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.535% 3.500% 0.50 $1,102 $1,123 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to Alarion Bank
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Financial Details

Alarion Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Alarion Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Alarion Bank U.S. Bank Average
11.4% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, Alarion Bank had $518,000 in non-current loans and $2,766,000 in owned real estate. To cover these potential losses it had $24,802,000 in equity and $4,016,000 in loans loss reserves. That gives it a Texas Ratio of 11.4%.

Return on Equity
Alarion Bank U.S. Bank Average
6.45% 9.50%

Alarion Bank has a Return on Equity of 6.45% versus the BestCashCow average of 9.50%. 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.

Alarion Bank U.S. Bank Average
8.77% 12.76%

Alarion Bank has a Capitalization of 8.77% versus the BestCashCow average of 12.76. 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.

Alarion Bank Balance Sheet Analysis

As of June 30, 2014, Alarion Bank had assets of $282,804,000, loans of $213,031,000, and deposits of $237,198,000. 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.

Summary Balance Sheet

June 30, 2019
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.21 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.00 billion
Total deposits $0.24 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.00 billion
      Shareholders’ Equity $0.28 billion

Summary Income Statement

June 30, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Alarion Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks, Alarion Bank’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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 42.07
Credit Card Loans 0.00
Consumer Auto Loans 0.09
Small Business Loans 14.49
Construction and Development Loans 10.19
Commercial Real Estate 34.03
Commercial and Industrial Loans 10.04
Farm Loans 0.00

Frequently Asked Questions About Alarion Bank

Branches and Savings

Is Alarion Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57845.

Why does Alarion Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Alarion Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Alarion Bank a commercial bank?


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Does Alarion Bank offer mortgages?

Compare mortgage rates here.

Does Alarion Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Alarion Bank offer personal loans?

Compare personal loan rates here.

Does Alarion Bank offer student loans?

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Background on The Bank

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