BBVA USA

15 20th Street S
Birmingham, AL 35233

Phone: 866 534 4482

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 19048
Date Established 1964
Assets $91.00 billion
Loans $62.42 billion
Deposits $73.07 billion
Capital $12.79 billion

BBVA USA is an FDIC insured institution located in Birmingham, AL. It was founded in 1964 and has approximately $91 billion in assets. Customers can open an account at one of its 680 branches.

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

Deposit Rates - October 17, 2019

Your Current Location: Washington, WA 98101

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $1 $9,999 Learn MoreShow Less
Money Market
0.05% $10,000 $19,999 Learn MoreShow Less
Money Market
0.05% $20,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.05% $500 - Learn MoreShow Less
6 Mo CD
0.10% $500 - Learn MoreShow Less
Special: 12 Mo CD
2.00% $500 - Learn MoreShow Less
Special: 12 Mo CD
1.70% $500 - Learn MoreShow Less
12 Mo CD
0.10% $500 - Learn MoreShow Less
Special: 15 Mo CD
2.00% $500 - Learn MoreShow Less
Special: 18 Mo CD
1.90% $500 - Learn MoreShow Less
18 Mo CD
0.25% $500 - Learn MoreShow Less
24 Mo CD
0.30% $500 - Learn MoreShow Less
30 Mo CD
0.30% $500 - Learn MoreShow Less
Special: 36 Mo CD
1.90% $500 - Learn MoreShow Less
36 Mo CD
0.40% $500 - Learn MoreShow Less
48 Mo CD
0.50% $500 - Learn MoreShow Less
60 Mo CD
0.50% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.10% $500 - Learn MoreShow Less
Special: 12 Mo FIRA
2.00% $500 - Learn MoreShow Less
Special: 12 Mo FIRA
1.70% $500 - Learn MoreShow Less
Special: 15 Mo FIRA
2.00% $500 - Learn MoreShow Less
Special: 18 Mo FIRA
1.90% $500 - Learn MoreShow Less
Special: 36 Mo FIRA
1.90% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.65% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $1 $24,999 Learn MoreShow Less

Online Only CD Rates of BBVA Compass Bank

Online CD Rates APY MIN MAX
12 Month Online CD
2.00% $500 $250,000 Learn MoreShow Less
18 Month Online CD
1.90% $500 $250,000 Learn MoreShow Less
Checking Rates APY MIN FEE
Premium Checking 0.00% $4,000 $19.00 Learn MoreShow Less
Free Checking 0.00% $0 $0.00 Learn MoreShow Less

Bank Online Offers

BBVA Raises Online Savings Rate
Jun 6, 2018

BBVA has raised their online savings rate to 1.70%.   Learn more here.



Loan Rates - October 17, 2019

Your Current Location: Washington, WA 98101

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
6 Year 5.24% 5.24% $405.41

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

BBVA USA 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


BBVA USA Locations


Financial Details

BBVA USA Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of BBVA USA. 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
BBVA USA U.S. Bank Average
5.9% 6.77%

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 June 30, 2019, BBVA USA had $797,337,000 in non-current loans and $15,302,000 in owned real estate. To cover these potential losses it had $12,788,735,000 in equity and $977,660,000 in loans loss reserves. That gives it a Texas Ratio of 5.9%.

Return on Equity
BBVA USA U.S. Bank Average
4.37% 9.50%

BBVA USA has a Return on Equity of 4.37% versus the BestCashCow average of 9.50%. 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
BBVA USA U.S. Bank Average
14.05% 12.76%

BBVA USA has a Capitalization of 14.05% versus the BestCashCow average of 12.76. 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.

BBVA USA Balance Sheet Analysis

As of June 30, 2019, BBVA USA had assets of $90,996,935,000, loans of $62,424,430,000, and deposits of $73,065,406,000. 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

June 30, 2019
ASSETS
Cash & Balances due from depository institutions $5.52 billion
Interest-bearing balances $4.51 billion
Total securities $13.69 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $62.42 billion
Loan loss allowance $0.98 billion
Trading account assets $0.43 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.02 billion
Goodwill and other intangibles $5.03 billion
All other assets $2.79 billion
     Total Assets $78.21 billion
LIABILITIES
Total deposits $73.07 billion
      Interest-bearing deposits $52.05 billion
      Deposits held in domestic offices $73.07 billion
      % insured (estimated) 56.93%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.12 billion
Other borrowed funds $3.05 billion
Subordinated debt $1.01 billion
All other liabilities $0.95 billion
      Total Liabilities $78.21 billion
      Shareholders’ Equity $12.79 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $1.80 billion
Total Interest Expense $0.46 billion
Net interest income $1.34 billion
Provision for loan and lease losses $0.34 billion
Total non interest income $0.39 billion
Total non interest expense $1.06 billion
Pre-tax Net Operating Income $0.33 billion

Bank Loan Profile?

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

Compared to other banks in Alabama, BBVA USA has a significantly higher percent of Credit Card Loans, Consumer Auto Loans, Commercial and Industrial 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 26.27
Multifamily
Mortgages
3.57
Credit Card Loans 1.41
Consumer Auto Loans 5.79
Small Business Loans 1.83
Construction and Development Loans 3.18
Commercial Real Estate 17.45
Commercial and Industrial Loans 26.88
Farm Loans 0.01

Frequently Asked Questions About Bbva Usa

Branches and Savings

Is Bbva Usa FDIC insured?

Yes. It is covered under FDIC Certificate #19048.

Why does Bbva Usa pay such low interest on savings accounts?

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

Why are Bbva Usa CD rates not competitive?

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

Is Bbva Usa a commercial bank?

Yes

Where are Bbva Usa locations?

See branch locations nearby.

Is Bbva Usa open on Saturdays?

Is Bbva Usa open on Sundays?

What time does Bbva Usa open?

What time does Bbva Usa close?

Are Bbva Usa ATMs Open 24/7?

Do Bbva Usa ATMs accept cash deposits?

Can Bbva Usa customers use other ATMs?

Do Bbva Usa branches have notaries?

Will Bbva Usa notarize my document?

What address for Bbva Usa should I put for incoming ACH transfers?

Will the Bbva Usa branch print checks?

Do Bbva Usa checks expire?

Does Bbva Usa require US citizenship to open account?

Can Bbva Usa close my account?

Does Bbva Usa Report to credit bureaus?

Does Bbva Usa Use Equifax?

What is Bbva Usa's ACH Routing Number?

What is Bbva Usa's SWIFT code?

Products

Does Bbva Usa offer mortgages?

Compare mortgage rates here.

Does Bbva Usa offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bbva Usa offer personal loans?

Compare personal loan rates here.

Does Bbva Usa offer student loans?

Will Bbva Usa cash a check?

Will Bbva Usa redeem a savings bond?

Does Bbva Usa cash savings bonds?

Will Bbva Usa cash money orders?

Can Bbva Usa issue a money order?

Does Bbva Usa do currency exchange?

Background on The Bank

Who owns Bbva Usa?

How long has Bbva Usa been around?

Can Bbva Usa transfer to other banks?

Does Bbva Usa have quick pay?

Does Bbva Usa accept rolled coins?

Will Bbva Usa accept loose change?

Where is Bbva Usa headquarters?

Customer Reviews for BBVA USA


  • July 06, 2016

    CDs 12 Month Rates

    Some of personal on the Bank in Grandteras CA are lack to be desired to do business, never on time and lair's.

  • June 08, 2016

    CDs 12 Month Rates

    This rate still good, online only and only personal no business

  • April 18, 2016

    CDs 12 Month Rates

    Rate ended 4/1/16 according to Compass

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