Arizona Bank & Trust
Our records indicate that this bank has been acquired by Centennial Bank.
Headquarters
2036 E Camelback Rd
Phoenix, AZ 85016
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2026 Overview
General Bank Information
Arizona Bank & Trust is an FDIC insured institution located in Phoenix, AZ. It was founded in 2003 and has approximately $1.98 billion in assets. Customers can open an account at one of its 10 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 57620 |
| Date Established | 2003 |
| Assets | $ 1,955.73 million |
| Loans | $ 973.53 million |
| Deposits | $ 1,826.94 million |
| Capital | $ 114.85 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 - September 25, 2026
Your Current Location: Arizona, AZ 85001
| Savings and Money Market Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.01% | $2,500 | $4,999 |
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Money Market
|
0.01% | $2,500 | $2,999 |
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|
|
Money Market
|
0.01% | $10,000 | $14,999 |
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|
Money Market
|
0.01% | $25,000 | $29,999 |
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|
| CD Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.10% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.10% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.15% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.15% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.20% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.20% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.25% | $100,000 | $199,999 |
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| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.01% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.01% | $1 | $99 | Learn More |
| Int Ckg
|
0.01% | $2,500 | $3,499 | Learn More |
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Loan Rates - September 25, 2026
Your Current Location: Arizona, AZ 85001
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
2.99% | 2.99% | Varies | |
| 15 Year Loan
See Table |
6.75% | 6.75% | $884.91 |
Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
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:
Phoenix,Arizona
Arizona Bank & Trust Locations around zip code 85001
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 4.63 | A | View Lobby Hours | |
| 9.25 | B | View Lobby Hours | |
| 10.46 | C | View Lobby Hours | |
| 10.46 | D | View Lobby Hours | |
| 11.92 | E | View Lobby Hours | |
| 13.87 | F | View Lobby Hours | |
| 13.94 | G | View Lobby Hours | |
| 19.27 | H | View Lobby Hours | |
| 33.48 | I | View Lobby Hours |
Climate Policy and Initiatives
Arizona Bank & Trust is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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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 |
|---|---|
| 5.13% | 5.57% |
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, 2025, Arizona Bank & Trust had $6,473,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $114,853,000 in equity and $11,285,000 in loans loss reserves. That gives it a Texas Ratio of 5.13%.
Return on Equity
| Arizona Bank & Trust | U.S. Bank Average |
|---|---|
| 14.18% | 10.69% |
Arizona Bank & Trust has a Return on Equity of 14.18% versus the BestCashCow average of 10.69%. 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 |
|---|---|
| 5.87% | 11.75% |
Arizona Bank & Trust has a Capitalization of 5.87% versus the BestCashCow average of 11.75. 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, 2022, Arizona Bank & Trust had assets of $1,977,640,000, loans of $973,526,000, and deposits of $1,826,935,000. 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, 2025| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 44.63 million |
| Interest-bearing balances | $ 3.83 million |
| Total securities | $ 830.21 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 973.53 million |
| Loan loss allowance | $ 11.29 million |
| Trading account assets | $ 7.02 million |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | $ 46.49 million |
| All other assets | $ 51.43 million |
| Total Assets | $ 1,862.79 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 1,826.94 million |
| Interest-bearing deposits | $ 960.38 million |
| Deposits held in domestic offices | $ 1,826.94 million |
| % insured (estimated) | 42.68% |
| Federal funds purchased and repurchase agreements | $ 14.08 million |
| Trading liabilities | $ 7.02 million |
| Other borrowed funds | $ 2.34 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 8.66 million |
| Total Liabilities | $ 1,862.79 million |
| Shareholders’ Equity | $ 92.94 million |
Summary Income Statement
December 31, 2025| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 46.32 million |
| Total Interest Expense | $ 2.33 million |
| Net interest income | $ 44.00 million |
| Provision for loan and lease losses | $ 3.68 million |
| Total non interest income | $ 10.20 million |
| Total non interest expense | $ 26.20 million |
| Pre-tax Net Operating Income | $ 14.57 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 Small Business 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 | 14.14 | ✓ | ||
| Multifamily Mortgages |
1.65 | ✓ | ||
| Credit Card Loans | 0.06 | ✓ | ||
| Consumer Auto Loans | 0.09 | ✓ | ||
| Small Business Loans | 4.97 | ✓ | ||
| Construction and Development Loans | 10.21 | ✓ | ||
| Commercial Real Estate | 38.61 | ✓ | ||
| Commercial and Industrial Loans | 29.85 | ✓ | ||
| Farm Loans | 0.02 | ✓ | ||
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