Banco Bilbao Vizcaya Argentaria Puerto Rico

Headquarters

Torre Bbva, Avenida 254 Munoz Rivera Avenue, 15th Floor
San Juan, PR 00918
See all branch locations →

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

Banco Bilbao Vizcaya Argentaria Puerto Rico is an FDIC insured institution located in San Juan, PR. It was founded in 1969 and has approximately $4.96 billion in assets.

FDIC Insured Yes
FDIC Certificate # 19919
Date Established 1969
Assets $ 4.96 billion
Loans $ 3.58 billion
Deposits $ 3.44 billion
Capital $ 616.64 million
 

For a more detailed analysis of Banco Bilbao Vizcaya Argentaria Puerto Rico's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 21, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - October 21, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Banco Bilbao Vizcaya Argentaria Puerto Rico

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
2.575% 2.500% 1.00 $2,468 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More

Featured - Connecticut 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 Banco Bilbao Vizcaya Argentaria Puerto Rico
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Branches

Banco Bilbao Vizcaya Argentaria Puerto Rico 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


Banco Bilbao Vizcaya Argentaria Puerto Rico Locations


Financial Details

Banco Bilbao Vizcaya Argentaria Puerto Rico Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Banco Bilbao Vizcaya Argentaria Puerto Rico. 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
Banco Bilbao Vizcaya Argentaria Puerto Rico U.S. Bank Average
39.45% 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, Banco Bilbao Vizcaya Argentaria Puerto Rico had $231,562,000 in non-current loans and $58,377,000 in owned real estate. To cover these potential losses it had $616,643,000 in equity and $118,294,000 in loans loss reserves. That gives it a Texas Ratio of 39.45%.

Return on Equity
Banco Bilbao Vizcaya Argentaria Puerto Rico U.S. Bank Average
6.77% 7.80%

Banco Bilbao Vizcaya Argentaria Puerto Rico has a Return on Equity of 6.77% 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
Banco Bilbao Vizcaya Argentaria Puerto Rico U.S. Bank Average
12.43% 12.68%

Banco Bilbao Vizcaya Argentaria Puerto Rico has a Capitalization of 12.43% 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.

Banco Bilbao Vizcaya Argentaria Puerto Rico Balance Sheet Analysis

As of September 30, 2012, Banco Bilbao Vizcaya Argentaria Puerto Rico had assets of $4,962,184,000, loans of $3,579,485,000, and deposits of $3,441,089,000. 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 N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 3.58 billion
Loan loss allowance $ 118.29 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 58.38 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 3.44 billion
      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 $ 4.96 billion

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
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 Banco Bilbao Vizcaya Argentaria Puerto Rico’s loan portfolio are Consumer Auto Loans, 1-4 Family Residential Loans, and Commercial Real Estate.

Compared to other banks in , Banco Bilbao Vizcaya Argentaria Puerto Rico has a significantly higher percent of Consumer Auto Loans, Construction and Development 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 25.86
Multifamily
Mortgages
0.00
Credit Card Loans 1.67
Consumer Auto Loans 27.94
Small Business Loans 5.16
Construction and Development Loans 2.18
Commercial Real Estate 16.36
Commercial and Industrial Loans 10.19
Farm Loans 0.07

Frequently Asked Questions About Banco Bilbao Vizcaya Argentaria Puerto Rico

Branches and Savings

Is Banco Bilbao Vizcaya Argentaria Puerto Rico FDIC insured?

Yes. It is covered under FDIC Certificate #19919.

Why does Banco Bilbao Vizcaya Argentaria Puerto Rico pay such low interest on savings accounts?

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

Why are Banco Bilbao Vizcaya Argentaria Puerto Rico CD rates not competitive?

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

Is Banco Bilbao Vizcaya Argentaria Puerto Rico a commercial bank?

Yes

Where are Banco Bilbao Vizcaya Argentaria Puerto Rico locations?

See branch locations nearby.

Is Banco Bilbao Vizcaya Argentaria Puerto Rico open on Saturdays?

Is Banco Bilbao Vizcaya Argentaria Puerto Rico open on Sundays?

What time does Banco Bilbao Vizcaya Argentaria Puerto Rico open?

What time does Banco Bilbao Vizcaya Argentaria Puerto Rico close?

Are Banco Bilbao Vizcaya Argentaria Puerto Rico ATMs Open 24/7?

Do Banco Bilbao Vizcaya Argentaria Puerto Rico ATMs accept cash deposits?

Can Banco Bilbao Vizcaya Argentaria Puerto Rico customers use other ATMs?

Do Banco Bilbao Vizcaya Argentaria Puerto Rico branches have notaries?

Will Banco Bilbao Vizcaya Argentaria Puerto Rico notarize my document?

What address for Banco Bilbao Vizcaya Argentaria Puerto Rico should I put for incoming ACH transfers?

Will the Banco Bilbao Vizcaya Argentaria Puerto Rico branch print checks?

Do Banco Bilbao Vizcaya Argentaria Puerto Rico checks expire?

Does Banco Bilbao Vizcaya Argentaria Puerto Rico require US citizenship to open account?

Can Banco Bilbao Vizcaya Argentaria Puerto Rico close my account?

Does Banco Bilbao Vizcaya Argentaria Puerto Rico Report to credit bureaus?

Does Banco Bilbao Vizcaya Argentaria Puerto Rico Use Equifax?

What is Banco Bilbao Vizcaya Argentaria Puerto Rico's ACH Routing Number?

What is Banco Bilbao Vizcaya Argentaria Puerto Rico's SWIFT code?

Products

Does Banco Bilbao Vizcaya Argentaria Puerto Rico offer mortgages?

Compare mortgage rates here.

Does Banco Bilbao Vizcaya Argentaria Puerto Rico offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Banco Bilbao Vizcaya Argentaria Puerto Rico offer personal loans?

Compare personal loan rates here.

Does Banco Bilbao Vizcaya Argentaria Puerto Rico offer student loans?

Will Banco Bilbao Vizcaya Argentaria Puerto Rico cash a check?

Will Banco Bilbao Vizcaya Argentaria Puerto Rico redeem a savings bond?

Does Banco Bilbao Vizcaya Argentaria Puerto Rico cash savings bonds?

Will Banco Bilbao Vizcaya Argentaria Puerto Rico cash money orders?

Can Banco Bilbao Vizcaya Argentaria Puerto Rico issue a money order?

Does Banco Bilbao Vizcaya Argentaria Puerto Rico do currency exchange?

Background on The Bank

Who owns Banco Bilbao Vizcaya Argentaria Puerto Rico?

How long has Banco Bilbao Vizcaya Argentaria Puerto Rico been around?

Can Banco Bilbao Vizcaya Argentaria Puerto Rico transfer to other banks?

Does Banco Bilbao Vizcaya Argentaria Puerto Rico have quick pay?

Does Banco Bilbao Vizcaya Argentaria Puerto Rico accept rolled coins?

Will Banco Bilbao Vizcaya Argentaria Puerto Rico accept loose change?

Where is Banco Bilbao Vizcaya Argentaria Puerto Rico headquarters?

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