Calwest Bank

22342 Avenida Empresa
Rancho Santa Margarita, CA 92688

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 35069
Date Established 1999
Assets $0.21 billion
Loans $0.15 billion
Deposits $0.19 billion
Capital $0.02 billion

Calwest Bank is an FDIC insured institution located in Rancho Santa Margarita, CA. It was founded in 1999 and has approximately $0.21 billion in assets. Customers can open an account at one of its 5 branches.

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

Deposit Rates - September 18, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.15% $10,001 $49,999 Learn MoreShow Less
6 Mo CD
0.25% $10,001 $49,999 Learn MoreShow Less
0.30% $10,001 $49,999 Learn MoreShow Less
18 Mo CD
0.30% $10,001 $49,999 Learn MoreShow Less
24 Mo CD
0.40% $10,001 $49,999 Learn MoreShow Less
36 Mo CD
0.50% $10,001 $49,999 Learn MoreShow Less
48 Mo CD
0.60% $10,001 $49,999 Learn MoreShow Less
60 Mo CD
0.70% $10,001 $49,999 Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.30% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 - Learn MoreShow Less

Loan Rates - September 18, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Calwest Bank

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 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.662% 3.625% 0.50 $1,130 $1,141 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

Note to Calwest Bank
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Branches

Calwest Bank 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


Calwest Bank Locations


Financial Details

Calwest Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Calwest Bank. 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
Calwest Bank 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 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 March 31, 2019, Calwest Bank had $1,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $19,879,000 in equity and $2,480,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Calwest Bank U.S. Bank Average
7.19% 9.47%

Calwest Bank has a Return on Equity of 7.19% versus the BestCashCow average of 9.47%. 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
Calwest Bank U.S. Bank Average
9.5% 12.49%

Calwest Bank has a Capitalization of 9.5% versus the BestCashCow average of 12.49. 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.

Calwest Bank Balance Sheet Analysis

As of March 31, 2019, Calwest Bank had assets of $209,177,000, loans of $152,766,000, and deposits of $187,262,000. 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, 2019
ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.01 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.15 billion
Loan loss allowance $0.00 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 $0.01 billion
     Total Assets $0.19 billion
LIABILITIES
Total deposits $0.19 billion
      Interest-bearing deposits $0.11 billion
      Deposits held in domestic offices $0.19 billion
      % insured (estimated) 63.80%
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 $0.19 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

March 31, 2019
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

Bank Loan Profile?

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

Compared to other banks, Calwest Bank’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 17.49
Multifamily
Mortgages
6.07
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 5.30
Commercial Real Estate 52.92
Commercial and Industrial Loans 19.66
Farm Loans 0.00

Frequently Asked Questions About Calwest Bank

Branches and Savings

Is Calwest Bank FDIC insured?

Yes. It is covered under FDIC Certificate #35069.

Why does Calwest Bank pay such low interest on savings accounts?

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

Why are Calwest Bank CD rates not competitive?

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

Is Calwest Bank a commercial bank?

Yes

Where are Calwest Bank locations?

See branch locations nearby.

Is Calwest Bank open on Saturdays?

Is Calwest Bank open on Sundays?

What time does Calwest Bank open?

What time does Calwest Bank close?

Are Calwest Bank ATMs Open 24/7?

Do Calwest Bank ATMs accept cash deposits?

Can Calwest Bank customers use other ATMs?

Do Calwest Bank branches have notaries?

Will Calwest Bank notarize my document?

What address for Calwest Bank should I put for incoming ACH transfers?

Will the Calwest Bank branch print checks?

Do Calwest Bank checks expire?

Does Calwest Bank require US citizenship to open account?

Can Calwest Bank close my account?

Does Calwest Bank Report to credit bureaus?

Does Calwest Bank Use Equifax?

What is Calwest Bank's ACH Routing Number?

What is Calwest Bank's SWIFT code?

Products

Does Calwest Bank offer mortgages?

Compare mortgage rates here.

Does Calwest Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Calwest Bank offer personal loans?

Compare personal loan rates here.

Does Calwest Bank offer student loans?

Will Calwest Bank cash a check?

Will Calwest Bank redeem a savings bond?

Does Calwest Bank cash savings bonds?

Will Calwest Bank cash money orders?

Can Calwest Bank issue a money order?

Does Calwest Bank do currency exchange?

Background on The Bank

Who owns Calwest Bank?

How long has Calwest Bank been around?

Can Calwest Bank transfer to other banks?

Does Calwest Bank have quick pay?

Does Calwest Bank accept rolled coins?

Will Calwest Bank accept loose change?

Where is Calwest Bank headquarters?

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