BBVA USA
Our records indicate that this bank has been acquired by PNC Bank, National Association.
Headquarters
15 20th Street S
Birmingham, AL 35233
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Phone 866 534 4482
2024 Overview
General Bank Information
BBVA USA is an FDIC insured institution located in Birmingham, AL. It was founded in 1964 and has approximately $87.22 billion in assets. Customers can open an account at one of its 680 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 19048 |
| Date Established | 1964 |
| Assets | $ 95.85 billion |
| Loans | $ 54.19 billion |
| Deposits | $ 73.06 billion |
| Capital | $ 10.40 billion |
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 - April 15, 2024
Your Current Location: Ohio, OH 43085
Online Only CD Rates of Banco Bilbao Vizcaya Argenteria
| Online CD Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| 12 Month Online CD
|
0.15% | $500 | $250,000 |
Learn More
|
| 18 Month Online CD
|
0.15% | $500 | $250,000 |
Learn More
|
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 - April 15, 2024
Your Current Location: Ohio, OH 43085
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
5.80% | 5.80% | Varies | |
Compare with 7.49 RATE Line of Credit from Third Federal Savings and Loan
See All Home Equity Rates |
||||
| 15 Year Loan
See Table |
4.04% | 4.04% | $741.69 | |
| 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:
Columbus,Ohio
Climate Policy and Initiatives
BBVA USA is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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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 |
|---|---|
| 7.83% | 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, BBVA USA had $930,360,000 in non-current loans and $4,221,000 in owned real estate. To cover these potential losses it had $10,397,552,000 in equity and $1,538,063,000 in loans loss reserves. That gives it a Texas Ratio of 7.83%.
Return on Equity
| BBVA USA | U.S. Bank Average |
|---|---|
| -12.31% | 12.20% |
BBVA USA has a Return on Equity of -12.31% 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.
Capitalization
| BBVA USA | U.S. Bank Average |
|---|---|
| 10.85% | 10.76% |
BBVA USA has a Capitalization of 10.85% 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.
BBVA USA Balance Sheet Analysis
As of September 30, 2021, BBVA USA had assets of $87,218,368,000, loans of $54,193,513,000, and deposits of $73,056,238,000. 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| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 10.57 billion |
| Interest-bearing balances | $ 9.75 billion |
| Total securities | $ 16.38 billion |
| Federal funds sold and reverse repurchase | $ 1.85 million |
| Net loans and leases | $ 54.19 billion |
| Loan loss allowance | $ 1,538.06 million |
| Trading account assets | $ 355.75 million |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 4.22 million |
| Goodwill and other intangibles | $ 1,847.34 million |
| All other assets | $ 2.91 billion |
| Total Assets | $ 76.82 billion |
| LIABILITIES | |
|---|---|
| Total deposits | $ 73.06 billion |
| Interest-bearing deposits | $ 43.63 billion |
| Deposits held in domestic offices | $ 73.06 billion |
| % insured (estimated) | 52.97% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | $ 26.43 million |
| Other borrowed funds | $ 1,403.85 million |
| Subordinated debt | $ 842.78 million |
| All other liabilities | $ 1,491.52 million |
| Total Liabilities | $ 76.82 billion |
| Shareholders’ Equity | $ 19.03 billion |
Summary Income Statement
December 31, 2024| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 771.39 million |
| Total Interest Expense | $ 11.29 million |
| Net interest income | $ 760.11 million |
| Provision for loan and lease losses | $ 902.11 million |
| Total non interest income | $ 231.65 million |
| Total non interest expense | $ 622.59 million |
| Pre-tax Net Operating Income | N.A. |
Bank Loan Profile?
The top three loan types in BBVA USA’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial 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 | 26.79 | ✓ | ||
| Multifamily Mortgages |
3.67 | ✓ | ||
| Credit Card Loans | 1.39 | ✓ | ||
| Consumer Auto Loans | 6.74 | ✓ | ||
| Small Business Loans | 1.77 | ✓ | ||
| Construction and Development Loans | 4.42 | ✓ | ||
| Commercial Real Estate | 18.30 | ✓ | ||
| Commercial and Industrial Loans | 24.53 | ✓ | ||
| Farm Loans | 0.01 | ✓ | ||
Customer Reviews for BBVA USA
Afeica
August 7, 2020 |
Had a car loan with them. Paid it off because I was selling the vehicle. They told me it would take 10 business days to clear the transaction (it was immediate via electronic) and was out of my account that day. But still took the ten days anyway.
Then they said they would mail the title to me after that time. Two weeks later, 5 phone calls to their call center (in Columbia) and still no title! Has now been over a month from the day I paid the loan off, no tracking number to find my title, no title, no way to get a replacement because they wont send me a lien letter to I can apply for a new one GRRRRrrrrrrr!!!!! Of course my buyer got tired of waiting and now here I sit. I have had other auto loans with other banks, paid it off, got the title immediately, literally the same day, but not BBVA, worst banking experience EVER and I'm 62 years old with lots of banking interaction!
DO NOT DO BUSINESS WITH THIS COMPANY!!!! If I could give less that a 1 I would!
Is this review helpful? Yes:2 / No: 0
cachimama
July 6, 2016
Some of personal on the Bank in Grandteras CA are lack to be desired to do business, never on time and lair's.
Is this review helpful? Yes:1 / No: 0
Max
June 8, 2016
This rate still good, online only and only personal no business
Is this review helpful? Yes:1 / No: 0
Kosher22
April 18, 2016
Rate ended 4/1/16 according to Compass
Is this review helpful? Yes:1 / No: 0
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