Cottonwood Corp Ctr, 2825 E
Salt Lake City, UT 84121
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Notable Rates APY Vs.Others
Savings N.A. 1.00% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.00% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

ARCUS Bank is an FDIC insured institution located in Salt Lake City, UT. It was founded in 2008 and has approximately $0.19 billion in assets.

FDIC Insured Yes
FDIC Certificate # 58612
Date Established 2008
Assets $ 188.83 million
Loans N.A.
Deposits $ 152.57 million
Capital $ 35.04 million

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

Deposit Rates - October 20, 2020

Your Current Location: Virginia, VA 20146

Loan Rates - October 20, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for ARCUS 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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.574% 2.500% 1.00 $2,445 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to ARCUS Bank
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Financial Details

ARCUS Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of ARCUS 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
ARCUS Bank U.S. Bank Average
0% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 March 31, 2020, ARCUS Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $35,039,000 in equity and $0 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
ARCUS Bank U.S. Bank Average
-0.95% 7.80%

ARCUS Bank has a Return on Equity of -0.95% versus the BestCashCow average of 7.80%. 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.

ARCUS Bank U.S. Bank Average
18.56% 12.68%

ARCUS Bank has a Capitalization of 18.56% versus the BestCashCow average of 12.68. 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.

ARCUS Bank Balance Sheet Analysis

As of November 30, -0001, ARCUS Bank had assets of $188,833,000, loans of $0, and deposits of $152,574,000. 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

March 31, 2020
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases N.A.
Loan loss allowance N.A.
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 152.57 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 188.83 million

Summary Income Statement

March 31, 2020
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in ARCUS Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, ARCUS 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 nan
Credit Card Loans nan
Consumer Auto Loans nan
Small Business Loans nan
Construction and Development Loans nan
Commercial Real Estate nan
Commercial and Industrial Loans nan
Farm Loans nan

Frequently Asked Questions About Arcus Bank

Branches and Savings

Is Arcus Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58612.

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

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

Why are Arcus Bank CD rates not competitive?

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

Is Arcus Bank a commercial bank?


Where are Arcus Bank locations?

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Is Arcus Bank open on Saturdays?

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Will Arcus Bank notarize my document?

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Will the Arcus Bank branch print checks?

Do Arcus Bank checks expire?

Does Arcus Bank require US citizenship to open account?

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Does Arcus Bank Report to credit bureaus?

Does Arcus Bank Use Equifax?

What is Arcus Bank's ACH Routing Number?

What is Arcus Bank's SWIFT code?


Does Arcus Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Arcus Bank offer personal loans?

Compare personal loan rates here.

Does Arcus Bank offer student loans?

Will Arcus Bank cash a check?

Will Arcus Bank redeem a savings bond?

Does Arcus Bank cash savings bonds?

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Can Arcus Bank issue a money order?

Does Arcus Bank do currency exchange?

Background on The Bank

Who owns Arcus Bank?

How long has Arcus Bank been around?

Can Arcus Bank transfer to other banks?

Does Arcus Bank have quick pay?

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