Bank of the West

Our records indicate that this bank has been acquired by BMO Bank National Association.


180 Montgomery St
San Francisco, CA 94104
See all branch locations →

Phone 800 488 2265

Notable Rates APY Vs.Others
Savings N.A. 5.55% →
1-Year CD N.A. 5.41% →
2-Year CD N.A. 4.95% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Bank Information

Bank of the West is an FDIC insured institution located in San Francisco, CA. It was founded in 1874 and has approximately $91.58 billion in assets. Customers can open an account at one of its 586 branches.

FDIC Insured Yes
FDIC Certificate # 3514
Date Established 1874
Assets $ 94.49 billion
Loans $ 59.57 billion
Deposits $ 72.13 billion
Capital $ 9.22 billion

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

Deposit Rates - June 23, 2024

Your Current Location: Virginia, VA 20146

Loan Rates - June 23, 2024

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of the West

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 2024

Lender APR Rate (%) Monthly
Learn More
Tomo Mortgage, LLC.
NMLS ID: 2059741
6.501% 6.375%
0.75 points
$4,234 fees
$1,997 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.730% 6.625%
0.88 points
$3,474 fees
$2,049 Learn More
New American Funding, LLC.
NMLS ID: 6606
6.843% 6.750%
1.00 points
$3,059 fees
$2,076 Learn More
NMLS ID: 1907
7.065% 6.875%
1.00 points
$6,202 fees
$2,103 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.990 %
$0 Learn More
More Info

Note to Bank of the West
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Financial Details

Bank of the West Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of the West. 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 the West U.S. Bank Average
5.05% 3.96%

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 December 31, 2024, Bank of the West had $490,132,000 in non-current loans and $5,014,000 in owned real estate. To cover these potential losses it had $9,219,887,000 in equity and $580,144,000 in loans loss reserves. That gives it a Texas Ratio of 5.05%.

Return on Equity
Bank of the West U.S. Bank Average
6.82% 12.20%

Bank of the West has a Return on Equity of 6.82% versus the BestCashCow average of 12.20%. 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 the West U.S. Bank Average
9.76% 10.76%

Bank of the West has a Capitalization of 9.76% versus the BestCashCow average of 10.76. 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 West Balance Sheet Analysis

As of December 31, 2022, Bank of the West had assets of $91,580,361,000, loans of $59,574,598,000, and deposits of $72,129,430,000. 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

December 31, 2024
Cash & Balances due from depository institutions $ 3.11 billion
Interest-bearing balances $ 2.28 billion
Total securities $ 20.14 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 59.57 billion
Loan loss allowance $ 580.14 million
Trading account assets $ 40.78 million
Bank premises and fixed assets N.A.
Other real estate owned $ 5.01 million
Goodwill and other intangibles $ 4.22 billion
All other assets $ 3.45 billion
     Total Assets $ 82.36 billion
Total deposits $ 72.13 billion
      Interest-bearing deposits $ 48.94 billion
      Deposits held in domestic offices $ 72.13 billion
      % insured (estimated) 49.34%
Federal funds purchased and repurchase agreements $ 3.87 billion
Trading liabilities $ 447.58 million
Other borrowed funds $ 212.59 million
Subordinated debt N.A.
All other liabilities $ 1,126.95 million
      Total Liabilities $ 82.36 billion
      Shareholders’ Equity $ 12.13 billion

Summary Income Statement

December 31, 2024
Total Interest Income $ 2.85 billion
Total Interest Expense $ 383.98 million
Net interest income $ 2.47 billion
Provision for loan and lease losses N.A.
Total non interest income $ 568.01 million
Total non interest expense $ 2.00 billion
Pre-tax Net Operating Income $ 572.97 million

Bank Loan Profile?

The top three loan types in Bank of the West’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks in California, Bank of the West has a significantly higher percent of Commercial and Industrial 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 19.34
Credit Card Loans 0.55
Consumer Auto Loans 1.39
Small Business Loans 4.00
Construction and Development Loans 2.47
Commercial Real Estate 20.72
Commercial and Industrial Loans 22.16
Farm Loans 3.32

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