Bankers' Bank of the West

Headquarters

1099 18th Street, Suite 2700
Denver, CO 80202
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

Bankers' Bank of the West is an FDIC insured institution located in Denver, CO. It was founded in 1980 and has approximately $0.41 billion in assets.

FDIC Insured Yes
FDIC Certificate # 23210
Date Established 1980
Assets $ 407.05 million
Loans $ 245.28 million
Deposits $ 299.11 million
Capital $ 49.88 million
 

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

Deposit Rates - November 25, 2020

Your Current Location: Washington, WA 98109

 

Loan Rates - November 25, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Bankers' 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 - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
New American Funding
NMLS ID: 6606
2.604% 2.500% 0.75 $3,434 $988 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to Bankers' Bank of the West
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Branches

Bankers' Bank of the West 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:
Seattle,Washington


Bankers' Bank of the West Locations


Financial Details

Bankers' Bank of the West Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bankers' Bank of the West. 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
Bankers' Bank of the West U.S. Bank Average
0.65% 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, Bankers' Bank of the West had $352,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $49,881,000 in equity and $4,622,000 in loans loss reserves. That gives it a Texas Ratio of 0.65%.

Return on Equity
Bankers' Bank of the West U.S. Bank Average
6.49% 7.80%

Bankers' Bank of the West has a Return on Equity of 6.49% 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
Bankers' Bank of the West U.S. Bank Average
12.25% 12.68%

Bankers' Bank of the West has a Capitalization of 12.25% 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.

Bankers' Bank of the West Balance Sheet Analysis

As of March 31, 2020, Bankers' Bank of the West had assets of $407,047,000, loans of $245,276,000, and deposits of $299,114,000. 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 $ 115.36 million
Interest-bearing balances $ 99.85 million
Total securities $ 27.95 million
Federal funds sold and reverse repurchase $ 0.70 million
Net loans and leases $ 245.28 million
Loan loss allowance $ 4.62 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 $ 16.52 million
     Total Assets $ 357.17 million
LIABILITIES
Total deposits $ 299.11 million
      Interest-bearing deposits $ 142.92 million
      Deposits held in domestic offices $ 299.11 million
      % insured (estimated) 52.78%
Federal funds purchased and repurchase agreements $ 48.08 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 9.97 million
      Total Liabilities $ 357.17 million
      Shareholders’ Equity $ 49.88 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 3.88 million
Total Interest Expense $ 0.99 million
Net interest income $ 2.88 million
Provision for loan and lease losses N.A.
Total non interest income $ 2.89 million
Total non interest expense $ 4.72 million
Pre-tax Net Operating Income $ 1.05 million

Bank Loan Profile?

The top three loan types in Bankers' Bank of the West’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Construction and Development Loans.

Compared to other banks, Bankers' Bank of the West’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 0.24
Multifamily
Mortgages
0.00
Credit Card Loans 0.07
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 13.21
Commercial Real Estate 48.67
Commercial and Industrial Loans 13.79
Farm Loans 9.63

Frequently Asked Questions About Bankers' Bank Of The West

Branches and Savings

Is Bankers' Bank Of The West FDIC insured?

Yes. It is covered under FDIC Certificate #23210.

Why does Bankers' Bank Of The West pay such low interest on savings accounts?

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

Why are Bankers' Bank Of The West CD rates not competitive?

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

Is Bankers' Bank Of The West a commercial bank?

Yes

Where are Bankers' Bank Of The West locations?

See branch locations nearby.

Is Bankers' Bank Of The West open on Saturdays?

Is Bankers' Bank Of The West open on Sundays?

What time does Bankers' Bank Of The West open?

What time does Bankers' Bank Of The West close?

Are Bankers' Bank Of The West ATMs Open 24/7?

Do Bankers' Bank Of The West ATMs accept cash deposits?

Can Bankers' Bank Of The West customers use other ATMs?

Do Bankers' Bank Of The West branches have notaries?

Will Bankers' Bank Of The West notarize my document?

What address for Bankers' Bank Of The West should I put for incoming ACH transfers?

Will the Bankers' Bank Of The West branch print checks?

Do Bankers' Bank Of The West checks expire?

Does Bankers' Bank Of The West require US citizenship to open account?

Can Bankers' Bank Of The West close my account?

Does Bankers' Bank Of The West Report to credit bureaus?

Does Bankers' Bank Of The West Use Equifax?

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Products

Does Bankers' Bank Of The West offer mortgages?

Compare mortgage rates here.

Does Bankers' Bank Of The West offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bankers' Bank Of The West offer personal loans?

Compare personal loan rates here.

Does Bankers' Bank Of The West offer student loans?

Will Bankers' Bank Of The West cash a check?

Will Bankers' Bank Of The West redeem a savings bond?

Does Bankers' Bank Of The West cash savings bonds?

Will Bankers' Bank Of The West cash money orders?

Can Bankers' Bank Of The West issue a money order?

Does Bankers' Bank Of The West do currency exchange?

Background on The Bank

Who owns Bankers' Bank Of The West?

How long has Bankers' Bank Of The West been around?

Can Bankers' Bank Of The West transfer to other banks?

Does Bankers' Bank Of The West have quick pay?

Does Bankers' Bank Of The West accept rolled coins?

Will Bankers' Bank Of The West accept loose change?

Where is Bankers' Bank Of The West headquarters?

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