Arizona Bank & Trust

Headquarters

2036 East Camelback Road
Phoenix, AZ 85016
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.01% 1.40% →
1-Year CD 0.15% 1.15% →
2-Year CD 0.25% 1.26% →
5-Year CD 0.25% 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Arizona Bank & Trust is an FDIC insured institution located in Phoenix, AZ. It was founded in 2003 and has approximately $0.78 billion in assets. Customers can open an account at one of its 10 branches.

FDIC Insured Yes
FDIC Certificate # 57620
Date Established 2003
Assets $ 784.24 million
Loans $ 544.78 million
Deposits $ 693.97 million
Capital $ 78.09 million
 

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.

Deposit Rates - July 2, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.01% $1 - Learn More
Money Market
0.01% $2,500 $4,999 Learn More
Money Market
0.01% $10,000 $24,999 Learn More
Money Market
0.01% $25,000 $99,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.05% $1,000 - Learn More
6 Mo CD
0.10% $1,000 - Learn More
12 Mo CD
0.15% $1,000 - Learn More
18 Mo CD
0.20% $1,000 - Learn More
24 Mo CD
0.25% $1,000 - Learn More
36 Mo CD
0.25% $1,000 - Learn More
48 Mo CD
0.25% $1,000 - Learn More
60 Mo CD
0.25% $1,000 - Learn More

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.15% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.01% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $1 $49,999 Learn MoreShow Less

Loan Rates - July 2, 2020

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.039% 3.000% 0.50 $1,250 $1,055 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 Learn More
More Info

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:
Fairfield,Connecticut


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
10.41% 6.51%

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 December 31, 2019, Arizona Bank & Trust had $6,782,000 in non-current loans and $1,950,000 in owned real estate. To cover these potential losses it had $78,092,000 in equity and $5,827,000 in loans loss reserves. That gives it a Texas Ratio of 10.41%.

Return on Equity
Arizona Bank & Trust U.S. Bank Average
13.86% 9.41%

Arizona Bank & Trust has a Return on Equity of 13.86% versus the BestCashCow average of 9.41%. 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
9.96% 12.82%

Arizona Bank & Trust has a Capitalization of 9.96% versus the BestCashCow average of 12.82. 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 December 31, 2019, Arizona Bank & Trust had assets of $784,240,000, loans of $544,775,000, and deposits of $693,974,000. 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

December 31, 2019
ASSETS
Cash & Balances due from depository institutions $ 23.74 million
Interest-bearing balances $ 4.43 million
Total securities $ 161.72 million
Federal funds sold and reverse repurchase $ 12.63 million
Net loans and leases $ 544.78 million
Loan loss allowance $ 5.83 million
Trading account assets $ 1.98 million
Bank premises and fixed assets N.A.
Other real estate owned $ 1.95 million
Goodwill and other intangibles $ 7.46 million
All other assets $ 13.85 million
     Total Assets $ 706.15 million
LIABILITIES
Total deposits $ 693.97 million
      Interest-bearing deposits $ 385.21 million
      Deposits held in domestic offices $ 693.97 million
      % insured (estimated) 45.40%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities $ 1.98 million
Other borrowed funds $ 1.75 million
Subordinated debt N.A.
All other liabilities $ 8.44 million
      Total Liabilities $ 706.15 million
      Shareholders’ Equity $ 78.09 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 31.30 million
Total Interest Expense $ 2.89 million
Net interest income $ 28.41 million
Provision for loan and lease losses $ 2.50 million
Total non interest income $ 8.50 million
Total non interest expense $ 21.53 million
Pre-tax Net Operating Income $ 12.88 million

Bank Loan Profile?

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

Compared to other banks in Arizona, Arizona Bank & Trust has a significantly higher percent of Credit Card Loans, Construction and Development Loans, Commercial and Industrial 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 16.60
Multifamily
Mortgages
0.13
Credit Card Loans 0.12
Consumer Auto Loans 0.24
Small Business Loans 8.08
Construction and Development Loans 12.01
Commercial Real Estate 34.96
Commercial and Industrial Loans 31.73
Farm Loans 0.00

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?

Customer Reviews for Arizona Bank & Trust

There are currently no comments for Arizona Bank & Trust. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →