Desert Community Bank


3740 South Pecos-Mcleod Interconnect
Las Vegas, NV 89121
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Desert Community Bank is an FDIC insured institution located in Las Vegas, NV. It was founded in 1999 and has approximately $0.1 billion in assets.

FDIC Insured Yes
FDIC Certificate # 35253
Date Established 1999
Assets $ 98.01 million
Loans $ 78.19 million
Deposits $ 86.54 million
Capital $ 7.24 million

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

Deposit Rates - October 27, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - October 27, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Desert Community 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 2021

Lender APR Rate (%) Monthly
Learn More
First Internet Bank
NMLS ID: 424182
2.807% 2.750%
0.75 points
$1,855 fees
$1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Desert Community Bank
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Climate Initiatives

Desert Community Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

Desert Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Desert Community Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Desert Community Bank U.S. Bank Average
120.9% 4.78%

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 June 30, 2021, Desert Community Bank had $12,259,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $7,240,000 in equity and $2,900,000 in loans loss reserves. That gives it a Texas Ratio of 120.9%.

Return on Equity
Desert Community Bank U.S. Bank Average
-28.57% 11.29%

Desert Community Bank has a Return on Equity of -28.57% versus the BestCashCow average of 11.29%. 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.

Desert Community Bank U.S. Bank Average
7.39% 11.72%

Desert Community Bank has a Capitalization of 7.39% versus the BestCashCow average of 11.72. 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.

Desert Community Bank Balance Sheet Analysis

As of November 30, -0001, Desert Community Bank had assets of $97,621,000, loans of $78,188,000, and deposits of $86,539,000. 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, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 78.19 million
Loan loss allowance $ 2.90 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 N.A.
     Total Assets N.A.
Total deposits $ 86.54 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 98.01 million

Summary Income Statement

June 30, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Desert Community Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Desert Community 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Desert Community Bank

Branches and Savings

Is Desert Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #35253.

Why does Desert Community Bank pay such low interest on savings accounts?

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

Why are Desert Community Bank CD rates not competitive?

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

Is Desert Community Bank a commercial bank?


Where are Desert Community Bank locations?

See branch locations nearby.

Is Desert Community Bank open on Saturdays?

Is Desert Community Bank open on Sundays?

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Are Desert Community Bank ATMs Open 24/7?

Do Desert Community Bank ATMs accept cash deposits?

Can Desert Community Bank customers use other ATMs?

Do Desert Community Bank branches have notaries?

Will Desert Community Bank notarize my document?

What address for Desert Community Bank should I put for incoming ACH transfers?

Will the Desert Community Bank branch print checks?

Do Desert Community Bank checks expire?

Does Desert Community Bank require US citizenship to open account?

Can Desert Community Bank close my account?

Does Desert Community Bank Report to credit bureaus?

Does Desert Community Bank Use Equifax?

What is Desert Community Bank's ACH Routing Number?

What is Desert Community Bank's SWIFT code?


Does Desert Community Bank offer mortgages?

Compare mortgage rates here.

Does Desert Community Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Desert Community Bank offer personal loans?

Compare personal loan rates here.

Does Desert Community Bank offer student loans?

Will Desert Community Bank cash a check?

Will Desert Community Bank redeem a savings bond?

Does Desert Community Bank cash savings bonds?

Will Desert Community Bank cash money orders?

Can Desert Community Bank issue a money order?

Does Desert Community Bank do currency exchange?

Background on The Bank

Who owns Desert Community Bank?

How long has Desert Community Bank been around?

Can Desert Community Bank transfer to other banks?

Does Desert Community Bank have quick pay?

Does Desert Community Bank accept rolled coins?

Will Desert Community Bank accept loose change?

Where is Desert Community Bank headquarters?

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