Bank of Napa, N.A.

Headquarters

2007 Redwood Road, Suite 101
Napa, CA 94558
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.10% →
1-Year CD N.A. 1.10% →
2-Year CD N.A. 1.15% →
5-Year CD N.A. 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Bank of Napa, N.A. is an FDIC insured institution located in Napa, CA. It was founded in 2006 and has approximately $0.26 billion in assets.

FDIC Insured Yes
FDIC Certificate # 58138
Date Established 2006
Assets $ 246.06 million
Loans $ 138.53 million
Deposits $ 226.13 million
Capital $ 27.79 million
 

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.

Deposit Rates - August 7, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - August 7, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Napa, N.A.

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

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Note to Bank of Napa, N.A.
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Branches

Bank of Napa, N.A. 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


Bank of Napa, N.A. Locations


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 BestCashCow.com 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% 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, Bank of Napa, N.A. had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $27,789,000 in equity and $1,927,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Bank of Napa, N.A. U.S. Bank Average
7.49% 7.80%

Bank of Napa, N.A. has a Return on Equity of 7.49% 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
Bank of Napa, N.A. U.S. Bank Average
11.29% 12.68%

Bank of Napa, N.A. has a Capitalization of 11.29% 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.

Bank of Napa, N.A. Balance Sheet Analysis

As of September 30, 2017, Bank of Napa, N.A. had assets of $255,282,000, loans of $138,532,000, and deposits of $226,131,000. 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 $ 138.53 million
Loan loss allowance $ 1.93 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 N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 226.13 million
      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 $ 246.06 million

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 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 12.84
Multifamily
Mortgages
9.17
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 19.53
Construction and Development Loans 1.43
Commercial Real Estate 59.63
Commercial and Industrial Loans 8.05
Farm Loans 7.44

Frequently Asked Questions About Bank Of Napa, N.a.

Branches and Savings

Is Bank Of Napa, N.a. FDIC insured?

Yes. It is covered under FDIC Certificate #58138.

Why does Bank Of Napa, N.a. pay such low interest on savings accounts?

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

Why are Bank Of Napa, N.a. CD rates not competitive?

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

Is Bank Of Napa, N.a. a commercial bank?

Yes

Where are Bank Of Napa, N.a. locations?

See branch locations nearby.

Is Bank Of Napa, N.a. open on Saturdays?

Is Bank Of Napa, N.a. open on Sundays?

What time does Bank Of Napa, N.a. open?

What time does Bank Of Napa, N.a. close?

Are Bank Of Napa, N.a. ATMs Open 24/7?

Do Bank Of Napa, N.a. ATMs accept cash deposits?

Can Bank Of Napa, N.a. customers use other ATMs?

Do Bank Of Napa, N.a. branches have notaries?

Will Bank Of Napa, N.a. notarize my document?

What address for Bank Of Napa, N.a. should I put for incoming ACH transfers?

Will the Bank Of Napa, N.a. branch print checks?

Do Bank Of Napa, N.a. checks expire?

Does Bank Of Napa, N.a. require US citizenship to open account?

Can Bank Of Napa, N.a. close my account?

Does Bank Of Napa, N.a. Report to credit bureaus?

Does Bank Of Napa, N.a. Use Equifax?

What is Bank Of Napa, N.a.'s ACH Routing Number?

What is Bank Of Napa, N.a.'s SWIFT code?

Products

Does Bank Of Napa, N.a. offer mortgages?

Compare mortgage rates here.

Does Bank Of Napa, N.a. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of Napa, N.a. offer personal loans?

Compare personal loan rates here.

Does Bank Of Napa, N.a. offer student loans?

Will Bank Of Napa, N.a. cash a check?

Will Bank Of Napa, N.a. redeem a savings bond?

Does Bank Of Napa, N.a. cash savings bonds?

Will Bank Of Napa, N.a. cash money orders?

Can Bank Of Napa, N.a. issue a money order?

Does Bank Of Napa, N.a. do currency exchange?

Background on The Bank

Who owns Bank Of Napa, N.a.?

How long has Bank Of Napa, N.a. been around?

Can Bank Of Napa, N.a. transfer to other banks?

Does Bank Of Napa, N.a. have quick pay?

Does Bank Of Napa, N.a. accept rolled coins?

Will Bank Of Napa, N.a. accept loose change?

Where is Bank Of Napa, N.a. headquarters?

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