Asian Pacific National Bank

Headquarters

333 West Valley Boulevard
San Gabriel, CA 91776
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.95% →
1-Year CD 0.25% 1.01% →
2-Year CD 0.25% 0.95% →
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

Asian Pacific National Bank is an FDIC insured institution located in San Gabriel, CA. It was founded in 1990 and has approximately $0.06 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 33013
Date Established 1990
Assets $ 55.09 million
Loans $ 22.01 million
Deposits $ 44.96 million
Capital $ 9.87 million
 

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

Deposit Rates - October 24, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.10% $10,000 $14,999 Learn More
3 Mo CD
0.10% $100,000 $199,999 Learn More
6 Mo CD
0.15% $10,000 $14,999 Learn More
6 Mo CD
0.15% $100,000 $199,999 Learn More
12 Mo CD
0.25% $10,000 $14,999 Learn More
12 Mo CD
0.25% $100,000 $199,999 Learn More
24 Mo CD
0.25% $10,000 $14,999 Learn More
24 Mo CD
0.25% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.01% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 24, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Asian Pacific National 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
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.575% 2.500% 1.00 $2,470 $988 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 Asian Pacific National Bank
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Branches

Asian Pacific National 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


Asian Pacific National Bank Locations


Financial Details

Asian Pacific National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Asian Pacific National 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
Asian Pacific National 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, Asian Pacific National Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $9,870,000 in equity and $548,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Asian Pacific National Bank U.S. Bank Average
0.37% 7.80%

Asian Pacific National Bank has a Return on Equity of 0.37% 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.

Capitalization
Asian Pacific National Bank U.S. Bank Average
17.91% 12.68%

Asian Pacific National Bank has a Capitalization of 17.91% 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.

Asian Pacific National Bank Balance Sheet Analysis

As of March 31, 2020, Asian Pacific National Bank had assets of $55,094,000, loans of $22,014,000, and deposits of $44,955,000. 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
ASSETS
Cash & Balances due from depository institutions $ 25.96 million
Interest-bearing balances $ 25.53 million
Total securities $ 4.02 million
Federal funds sold and reverse repurchase $ 0.30 million
Net loans and leases $ 22.01 million
Loan loss allowance $ 0.55 million
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 $ 1.87 million
     Total Assets $ 45.22 million
LIABILITIES
Total deposits $ 44.96 million
      Interest-bearing deposits $ 38.88 million
      Deposits held in domestic offices $ 44.96 million
      % insured (estimated) 95.18%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.27 million
      Total Liabilities $ 45.22 million
      Shareholders’ Equity $ 9.87 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.51 million
Total Interest Expense $ 0.17 million
Net interest income $ 0.35 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.02 million
Total non interest expense $ 0.36 million
Pre-tax Net Operating Income $ 0.01 million

Bank Loan Profile?

The top three loan types in Asian Pacific National Bank’s loan portfolio are Commercial Real Estate, Construction and Development Loans, and 1-4 Family Residential Loans.

Compared to other banks in California, Asian Pacific National Bank has a significantly higher percent of Construction and Development 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 15.75
Multifamily
Mortgages
0.53
Credit Card Loans 0.00
Consumer Auto Loans 0.06
Small Business Loans 0.00
Construction and Development Loans 16.73
Commercial Real Estate 69.30
Commercial and Industrial Loans 0.48
Farm Loans 0.00

Frequently Asked Questions About Asian Pacific National Bank

Branches and Savings

Is Asian Pacific National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #33013.

Why does Asian Pacific National Bank pay such low interest on savings accounts?

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

Why are Asian Pacific National Bank CD rates not competitive?

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

Is Asian Pacific National Bank a commercial bank?

Yes

Where are Asian Pacific National Bank locations?

See branch locations nearby.

Is Asian Pacific National Bank open on Saturdays?

Is Asian Pacific National Bank open on Sundays?

What time does Asian Pacific National Bank open?

What time does Asian Pacific National Bank close?

Are Asian Pacific National Bank ATMs Open 24/7?

Do Asian Pacific National Bank ATMs accept cash deposits?

Can Asian Pacific National Bank customers use other ATMs?

Do Asian Pacific National Bank branches have notaries?

Will Asian Pacific National Bank notarize my document?

What address for Asian Pacific National Bank should I put for incoming ACH transfers?

Will the Asian Pacific National Bank branch print checks?

Do Asian Pacific National Bank checks expire?

Does Asian Pacific National Bank require US citizenship to open account?

Can Asian Pacific National Bank close my account?

Does Asian Pacific National Bank Report to credit bureaus?

Does Asian Pacific National Bank Use Equifax?

What is Asian Pacific National Bank's ACH Routing Number?

What is Asian Pacific National Bank's SWIFT code?

Products

Does Asian Pacific National Bank offer mortgages?

Compare mortgage rates here.

Does Asian Pacific National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Asian Pacific National Bank offer personal loans?

Compare personal loan rates here.

Does Asian Pacific National Bank offer student loans?

Will Asian Pacific National Bank cash a check?

Will Asian Pacific National Bank redeem a savings bond?

Does Asian Pacific National Bank cash savings bonds?

Will Asian Pacific National Bank cash money orders?

Can Asian Pacific National Bank issue a money order?

Does Asian Pacific National Bank do currency exchange?

Background on The Bank

Who owns Asian Pacific National Bank?

How long has Asian Pacific National Bank been around?

Can Asian Pacific National Bank transfer to other banks?

Does Asian Pacific National Bank have quick pay?

Does Asian Pacific National Bank accept rolled coins?

Will Asian Pacific National Bank accept loose change?

Where is Asian Pacific National Bank headquarters?

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