America California Bank

417 Montgomery Street
San Francisco, CA 94104

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 20726
Date Established 1972
Assets $0.13 billion
Loans $0.09 billion
Deposits $0.10 billion
Capital $0.02 billion

America California Bank is an FDIC insured institution located in San Francisco, CA. It was founded in 1972 and has approximately $0.13 billion in assets.

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

Bank Loan Profile?

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

Compared to other banks in California, America California Bank has a significantly higher percent of Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 16.76
Multifamily
Mortgages
6.47
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 26.06
Construction and Development Loans 6.74
Commercial Real Estate 67.60
Commercial and Industrial Loans 4.24
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

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


Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for America California Bank

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to America California Bank
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Branches

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

Your Location:
Ashburn,Virginia


America California Bank Locations

Financial Details

America California Bank Ratio Analysis

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

Texas Ratio
America California Bank U.S. Bank Average
0% 8.45

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 June 30, 2017, America California Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $17,993,000 in equity and $2,627,000 in loans loss reserves. That gives it a Texas Ratio of 0%. 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
America California Bank U.S. Bank Average
3.06% 8.58

America California Bank has a Return on Equity of 3.06% versus the BestCashCow average of 8.58. 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
America California Bank U.S. Bank Average
13.57% 12.11

America California Bank has a Capitalization of 13.57% versus the BestCashCow average of 12.11. 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.

America California Bank Balance Sheet Analysis

As of March 31, 2015, America California Bank had assets of $127,281,000, loans of $92,730,000, and deposits of $97,740,000. 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.

Frequently Asked Questions About America California Bank

Branches and Savings

Is America California Bank FDIC insured?

Yes. It is covered under FDIC Certificate #20726.

Why does America California Bank pay such low interest on savings accounts?

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

Why are America California Bank CD rates not competitive?

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

Is America California Bank a commercial bank?

Yes

Where are America California Bank locations?

See branch locations nearby.

Is America California Bank open on Saturdays?

Is America California Bank open on Sundays?

What time does America California Bank open?

What time does America California Bank close?

Are America California Bank ATMs Open 24/7?

Do America California Bank ATMs accept cash deposits?

Can America California Bank customers use other ATMs?

Do America California Bank branches have notaries?

Will America California Bank notarize my document?

What address for America California Bank should I put for incoming ACH transfers?

Will the America California Bank branch print checks?

Do America California Bank checks expire?

Does America California Bank require US citizenship to open account?

Can America California Bank close my account?

Does America California Bank Report to credit bureaus?

Does America California Bank Use Equifax?

What is America California Bank's ACH Routing Number?

What is America California Bank's SWIFT code?

Products

Does America California Bank offer mortgages?

Compare mortgage rates here.

Does America California Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does America California Bank offer personal loans?

Compare personal loan rates here.

Does America California Bank offer student loans?

Will America California Bank cash a check?

Will America California Bank redeem a savings bond?

Does America California Bank cash savings bonds?

Will America California Bank cash money orders?

Can America California Bank issue a money order?

Does America California Bank do currency exchange?

Background on The Bank

Who owns America California Bank?

How long has America California Bank been around?

Can America California Bank transfer to other banks?

Does America California Bank have quick pay?

Does America California Bank accept rolled coins?

Will America California Bank accept loose change?

Where is America California Bank headquarters?

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