BankAnnapolis

1000 Bestgate Road
Annapolis, MD 21401

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 32740
Date Established 1990
Assets $0.44 billion
Loans $0.27 billion
Deposits $0.35 billion
Capital $0.04 billion

BankAnnapolis is an FDIC insured institution located in Annapolis, MD. It was founded in 1990 and has approximately $0.44 billion in assets.

For a more detailed analysis of BankAnnapolis'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 BankAnnapolis’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Maryland, BankAnnapolis has a significantly higher percent of 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 27.88
Multifamily
Mortgages
0.41
Credit Card Loans 0.00
Consumer Auto Loans 0.07
Small Business Loans 12.47
Construction and Development Loans 13.51
Commercial Real Estate 43.42
Commercial and Industrial Loans 15.35
Farm Loans 0.00

Deposit Rates - June 16, 2019

Your Current Location: Washington, WA 98109

There are currently no rates available for Bankannapolis, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - June 16, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for BankAnnapolis

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
Figure Home Equity Line
Figure Home Equity Line
5.490 %
N/A Learn More
More Info

Note to BankAnnapolis
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Branches

BankAnnapolis branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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BankAnnapolis Locations


Financial Details

BankAnnapolis Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of BankAnnapolis. 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
BankAnnapolis U.S. Bank Average
28.3% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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, 2018, BankAnnapolis had $12,007,000 in non-current loans and $601,000 in owned real estate. To cover these potential losses it had $36,600,000 in equity and $7,944,000 in loans loss reserves. That gives it a Texas Ratio of 28.3%.

Return on Equity
BankAnnapolis U.S. Bank Average
-3.47% 8.80%

BankAnnapolis has a Return on Equity of -3.47% versus the BestCashCow average of 8.80%. 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
BankAnnapolis U.S. Bank Average
8.34% 12.29%

BankAnnapolis has a Capitalization of 8.34% versus the BestCashCow average of 12.29. 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.

BankAnnapolis Balance Sheet Analysis

As of March 31, 2013, BankAnnapolis had assets of $438,994,000, loans of $269,748,000, and deposits of $349,297,000. 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, 2018
ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.27 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.00 billion
LIABILITIES
Total deposits $0.35 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.00 billion
      Shareholders’ Equity $0.44 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Bankannapolis

Branches and Savings

Is Bankannapolis FDIC insured?

Yes. It is covered under FDIC Certificate #32740.

Why does Bankannapolis pay such low interest on savings accounts?

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

Why are Bankannapolis CD rates not competitive?

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

Is Bankannapolis a commercial bank?

Yes

Where are Bankannapolis locations?

See branch locations nearby.

Is Bankannapolis open on Saturdays?

Is Bankannapolis open on Sundays?

What time does Bankannapolis open?

What time does Bankannapolis close?

Are Bankannapolis ATMs Open 24/7?

Do Bankannapolis ATMs accept cash deposits?

Can Bankannapolis customers use other ATMs?

Do Bankannapolis branches have notaries?

Will Bankannapolis notarize my document?

What address for Bankannapolis should I put for incoming ACH transfers?

Will the Bankannapolis branch print checks?

Do Bankannapolis checks expire?

Does Bankannapolis require US citizenship to open account?

Can Bankannapolis close my account?

Does Bankannapolis Report to credit bureaus?

Does Bankannapolis Use Equifax?

What is Bankannapolis's ACH Routing Number?

What is Bankannapolis's SWIFT code?

Products

Does Bankannapolis offer mortgages?

Compare mortgage rates here.

Does Bankannapolis offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bankannapolis offer personal loans?

Compare personal loan rates here.

Does Bankannapolis offer student loans?

Will Bankannapolis cash a check?

Will Bankannapolis redeem a savings bond?

Does Bankannapolis cash savings bonds?

Will Bankannapolis cash money orders?

Can Bankannapolis issue a money order?

Does Bankannapolis do currency exchange?

Background on The Bank

Who owns Bankannapolis?

How long has Bankannapolis been around?

Can Bankannapolis transfer to other banks?

Does Bankannapolis have quick pay?

Does Bankannapolis accept rolled coins?

Will Bankannapolis accept loose change?

Where is Bankannapolis headquarters?

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