Bank of the San Juans

Headquarters

144 East Eighth Street
Durango, CO 81301
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.91% →
1-Year CD N.A. 0.85% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Bank of the San Juans is an FDIC insured institution located in Durango, CO. It was founded in 1998 and has approximately $0.24 billion in assets.

FDIC Insured Yes
FDIC Certificate # 34873
Date Established 1998
Assets $ 236.66 million
Loans $ 130.39 million
Deposits $ 186.95 million
Capital $ 27.79 million
 

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

Deposit Rates - December 2, 2020

Your Current Location: Connecticut, CT 06828

 

Loan Rates - December 2, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Bank of the San Juans

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

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Payment
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First Internet Bank
NMLS ID: 424182
2.548% 2.500% 0.63 $1,572 $988 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.583% 2.500% 0.88 $2,728 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
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2.240 %
$0 Learn More
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People's United Bank, N.A.
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4.000 %
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Note to Bank of the San Juans
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Branches

Bank of the San Juans 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


Bank of the San Juans Locations


Financial Details

Bank of the San Juans Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of the San Juans. 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 the San Juans U.S. Bank Average
11.11% 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 the San Juans had $865,000 in non-current loans and $2,706,000 in owned real estate. To cover these potential losses it had $27,794,000 in equity and $4,335,000 in loans loss reserves. That gives it a Texas Ratio of 11.11%.

Return on Equity
Bank of the San Juans U.S. Bank Average
10.47% 7.80%

Bank of the San Juans has a Return on Equity of 10.47% 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 the San Juans U.S. Bank Average
11.74% 12.68%

Bank of the San Juans has a Capitalization of 11.74% 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 the San Juans Balance Sheet Analysis

As of March 31, 2012, Bank of the San Juans had assets of $236,663,000, loans of $130,394,000, and deposits of $186,950,000. 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 $ 130.39 million
Loan loss allowance $ 4.34 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 2.71 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 186.95 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 $ 236.66 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 the San Juans’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Bank of the San Juans’s loan portfolio does not show any specific loan specialty.

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 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Bank Of The San Juans

Branches and Savings

Is Bank Of The San Juans FDIC insured?

Yes. It is covered under FDIC Certificate #34873.

Why does Bank Of The San Juans 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 The San Juans CD rates not competitive?

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

Is Bank Of The San Juans a commercial bank?

Yes

Where are Bank Of The San Juans locations?

See branch locations nearby.

Is Bank Of The San Juans open on Saturdays?

Is Bank Of The San Juans open on Sundays?

What time does Bank Of The San Juans open?

What time does Bank Of The San Juans close?

Are Bank Of The San Juans ATMs Open 24/7?

Do Bank Of The San Juans ATMs accept cash deposits?

Can Bank Of The San Juans customers use other ATMs?

Do Bank Of The San Juans branches have notaries?

Will Bank Of The San Juans notarize my document?

What address for Bank Of The San Juans should I put for incoming ACH transfers?

Will the Bank Of The San Juans branch print checks?

Do Bank Of The San Juans checks expire?

Does Bank Of The San Juans require US citizenship to open account?

Can Bank Of The San Juans close my account?

Does Bank Of The San Juans Report to credit bureaus?

Does Bank Of The San Juans Use Equifax?

What is Bank Of The San Juans's ACH Routing Number?

What is Bank Of The San Juans's SWIFT code?

Products

Does Bank Of The San Juans offer mortgages?

Compare mortgage rates here.

Does Bank Of The San Juans offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of The San Juans offer personal loans?

Compare personal loan rates here.

Does Bank Of The San Juans offer student loans?

Will Bank Of The San Juans cash a check?

Will Bank Of The San Juans redeem a savings bond?

Does Bank Of The San Juans cash savings bonds?

Will Bank Of The San Juans cash money orders?

Can Bank Of The San Juans issue a money order?

Does Bank Of The San Juans do currency exchange?

Background on The Bank

Who owns Bank Of The San Juans?

How long has Bank Of The San Juans been around?

Can Bank Of The San Juans transfer to other banks?

Does Bank Of The San Juans have quick pay?

Does Bank Of The San Juans accept rolled coins?

Will Bank Of The San Juans accept loose change?

Where is Bank Of The San Juans headquarters?

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