Arizona Bank & Trust

2036 East Camelback Road
Phoenix, AZ 85016

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57620
Date Established 2003
Assets $0.65 billion
Loans $0.44 billion
Deposits $0.56 billion
Capital $0.07 billion

Arizona Bank & Trust is an FDIC insured institution located in Phoenix, AZ. It was founded in 2003 and has approximately $0.65 billion in assets. Customers can open an account at one of its 10 branches.

For a more detailed analysis of Arizona Bank & Trust'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 Arizona Bank & Trust’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Arizona, Arizona Bank & Trust has a significantly higher percent of Credit Card Loans 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 29.32
Multifamily
Mortgages
0.23
Credit Card Loans 0.11
Consumer Auto Loans 0.30
Small Business Loans 10.84
Construction and Development Loans 7.12
Commercial Real Estate 34.78
Commercial and Industrial Loans 22.85
Farm Loans 0.00

Deposit Rates - December 9, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.08% $2,500 $24,999 Learn MoreShow Less
Money Market
0.10% $25,000 $99,999 Learn MoreShow Less
Premium Money Market Account
0.03% $1 $24,999 Learn MoreShow Less
Premium Money Market Account
0.08% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.30% $1 - Learn MoreShow Less
6 Mo CD
0.40% $1 - Learn MoreShow Less
12 Mo CD
0.70% $1 - Learn MoreShow Less
Special: 14 Mo CD
1.91% $5,000 - Learn MoreShow Less
18 Mo CD
0.80% $1 - Learn MoreShow Less
24 Mo CD
1.10% $1 - Learn MoreShow Less
Special: 26 Mo CD
2.02% $5,000 - Learn MoreShow Less
36 Mo CD
1.15% $1 - Learn MoreShow Less
48 Mo CD
1.25% $1 - Learn MoreShow Less
60 Mo CD
2.26% $1 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.30% $1 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.04% $1 - Learn MoreShow Less

Loan Rates - December 9, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Arizona Bank & Trust

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 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
Ally Bank
NMLS ID: 181005
4.794% 4.750% 0.13 $1,359 $1,305 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.375% 5.375% 0.00 $0 $1,400 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More

Note to Arizona Bank & Trust
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Arizona Bank & Trust 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


Arizona Bank & Trust Locations

Financial Details

Arizona Bank & Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Arizona Bank & Trust. 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
Arizona Bank & Trust U.S. Bank Average
7.83% 7.92%

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, 2018, Arizona Bank & Trust had $4,637,000 in non-current loans and $824,000 in owned real estate. To cover these potential losses it had $65,725,000 in equity and $4,038,000 in loans loss reserves. That gives it a Texas Ratio of 7.83%.

Return on Equity
Arizona Bank & Trust U.S. Bank Average
17.87% 9.77%

Arizona Bank & Trust has a Return on Equity of 17.87% versus the BestCashCow average of 9.77%. 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
Arizona Bank & Trust U.S. Bank Average
10.06% 12.31%

Arizona Bank & Trust has a Capitalization of 10.06% versus the BestCashCow average of 12.31. 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.

Arizona Bank & Trust Balance Sheet Analysis

As of June 30, 2018, Arizona Bank & Trust had assets of $653,596,000, loans of $440,769,000, and deposits of $558,895,000. 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, 2018
ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.01 billion
Total securities $0.14 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.44 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 $0.01 billion
All other assets $0.01 billion
     Total Assets $0.59 billion
LIABILITIES
Total deposits $0.56 billion
      Interest-bearing deposits $0.29 billion
      Deposits held in domestic offices $0.56 billion
      % insured (estimated) 56.07%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.03 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.59 billion
      Shareholders’ Equity $0.07 billion

Summary Income Statement

June 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $-0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.01 billion

Frequently Asked Questions About Arizona Bank & Trust

Branches and Savings

Is Arizona Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #57620.

Why does Arizona Bank & Trust pay such low interest on savings accounts?

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

Why are Arizona Bank & Trust CD rates not competitive?

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

Is Arizona Bank & Trust a commercial bank?

Yes

Where are Arizona Bank & Trust locations?

See branch locations nearby.

Is Arizona Bank & Trust open on Saturdays?

Is Arizona Bank & Trust open on Sundays?

What time does Arizona Bank & Trust open?

What time does Arizona Bank & Trust close?

Are Arizona Bank & Trust ATMs Open 24/7?

Do Arizona Bank & Trust ATMs accept cash deposits?

Can Arizona Bank & Trust customers use other ATMs?

Do Arizona Bank & Trust branches have notaries?

Will Arizona Bank & Trust notarize my document?

What address for Arizona Bank & Trust should I put for incoming ACH transfers?

Will the Arizona Bank & Trust branch print checks?

Do Arizona Bank & Trust checks expire?

Does Arizona Bank & Trust require US citizenship to open account?

Can Arizona Bank & Trust close my account?

Does Arizona Bank & Trust Report to credit bureaus?

Does Arizona Bank & Trust Use Equifax?

What is Arizona Bank & Trust's ACH Routing Number?

What is Arizona Bank & Trust's SWIFT code?

Products

Does Arizona Bank & Trust offer mortgages?

Compare mortgage rates here.

Does Arizona Bank & Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Arizona Bank & Trust offer personal loans?

Compare personal loan rates here.

Does Arizona Bank & Trust offer student loans?

Will Arizona Bank & Trust cash a check?

Will Arizona Bank & Trust redeem a savings bond?

Does Arizona Bank & Trust cash savings bonds?

Will Arizona Bank & Trust cash money orders?

Can Arizona Bank & Trust issue a money order?

Does Arizona Bank & Trust do currency exchange?

Background on The Bank

Who owns Arizona Bank & Trust?

How long has Arizona Bank & Trust been around?

Can Arizona Bank & Trust transfer to other banks?

Does Arizona Bank & Trust have quick pay?

Does Arizona Bank & Trust accept rolled coins?

Will Arizona Bank & Trust accept loose change?

Where is Arizona Bank & Trust headquarters?

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*All images, logos and public notes on this page appear courtesy of Arizona Bank & Trust and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.