Bank of Napa, N.A.

2007 Redwood Road, Suite 101
Napa, CA 94558


General Bank Information

FDIC Insured Yes
FDIC Certificate # 58138
Date Established 2006
Assets $0.25 billion
Loans $0.14 billion
Deposits $0.22 billion
Capital $0.03 billion

Bank of Napa, N.A. is an FDIC insured institution located in Napa, CA. It was founded in 2006 and has approximately $0.25 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of Bank of Napa, N.A.'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 Bank of Napa, N.A.’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in California, Bank of Napa, N.A. has a significantly higher percent of Small Business Loans, Farm 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 12.61
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 20.23
Construction and Development Loans 2.48
Commercial Real Estate 57.34
Commercial and Industrial Loans 9.16
Farm Loans 7.54

Loan Rates

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Financial Details

Bank of Napa, N.A. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Napa, N.A.. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Napa, N.A. U.S. Bank Average
0.48% 8.87%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of March 31, 2017, Bank of Napa, N.A. had $137,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $26,580,000 in equity and $1,927,000 in loans loss reserves. That gives it a Texas Ratio of 0.48%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Bank of Napa, N.A. U.S. Bank Average
7.18% 8.39%

Bank of Napa, N.A. has a Return on Equity of 7.18% versus the BestCashCow average of 8.39%. 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.

Bank of Napa, N.A. U.S. Bank Average
10.66% 11.94%

Bank of Napa, N.A. has a Capitalization of 10.66% versus the BestCashCow average of 11.94%. 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.

Bank of Napa, N.A. Balance Sheet Analysis

As of March 31, 2017, Bank of Napa, N.A. had assets of $249,227,000, loans of $138,081,000, and deposits of $221,532,000. 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.

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