EverTrust Bank


2 N Lake Ave
Pasadena, CA 91101
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Notable Rates APY Vs.Others
Savings N.A. 3.50% →
1-Year CD N.A. 3.70% →
2-Year CD N.A. 3.80% →
5-Year CD N.A. 4.25% →
30-Year Mortgage N.A. 6.20% →
15-Year Mortgage N.A. 5.66% →
HELOC N.A. 2.79% →

2022 Overview

General Bank Information

EverTrust Bank is an FDIC insured institution located in Pasadena, CA. It was founded in 1995 and has approximately $0.93 billion in assets. Customers can open an account at one of its 8 branches.

FDIC Insured Yes
FDIC Certificate # 34010
Date Established 1995
Assets $ 929.10 million
Loans $ 600.65 million
Deposits $ 707.66 million
Capital $ 210.30 million

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

Deposit Rates - October 6, 2022

Your Current Location: Connecticut, CT 06828

There are currently no rates available for Evertrust Bank, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - October 6, 2022

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for EverTrust Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

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NMLS ID: 1168

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Featured - Connecticut Home Equity Line Of Credit Rates 2022

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Note to EverTrust Bank
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Climate Initiatives

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Financial Details

EverTrust Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of EverTrust 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
EverTrust Bank U.S. Bank Average
0.03% 4.06%

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, 2022, EverTrust Bank had $68,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $210,300,000 in equity and $9,797,000 in loans loss reserves. That gives it a Texas Ratio of 0.03%.

Return on Equity
EverTrust Bank U.S. Bank Average
4.27% 9.98%

EverTrust Bank has a Return on Equity of 4.27% versus the BestCashCow average of 9.98%. 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.

EverTrust Bank U.S. Bank Average
22.63% 10.23%

EverTrust Bank has a Capitalization of 22.63% versus the BestCashCow average of 10.23. 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.

EverTrust Bank Balance Sheet Analysis

As of June 30, 2022, EverTrust Bank had assets of $929,100,000, loans of $600,649,000, and deposits of $707,655,000. 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, 2022
Cash & Balances due from depository institutions $ 137.20 million
Interest-bearing balances $ 134.47 million
Total securities $ 97.76 million
Federal funds sold and reverse repurchase $ 23.00 million
Net loans and leases $ 600.65 million
Loan loss allowance $ 9.80 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 38.13 million
All other assets $ 31.09 million
     Total Assets $ 718.80 million
Total deposits $ 707.66 million
      Interest-bearing deposits $ 547.67 million
      Deposits held in domestic offices $ 707.66 million
      % insured (estimated) 38.47%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 11.15 million
      Total Liabilities $ 718.80 million
      Shareholders’ Equity $ 210.30 million

Summary Income Statement

June 30, 2022
Total Interest Income $ 14.97 million
Total Interest Expense $ 1.05 million
Net interest income $ 13.92 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.25 million
Total non interest expense $ 7.80 million
Pre-tax Net Operating Income $ 6.38 million

Bank Loan Profile?

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

Compared to other banks in California, EverTrust Bank has a significantly higher percent of Construction and Development 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 14.37
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 1.74
Construction and Development Loans 13.48
Commercial Real Estate 42.45
Commercial and Industrial Loans 21.26
Farm Loans 0.00

Customer Reviews for EverTrust Bank

  • August 16, 2022 |

    good customer service and always give me new information about CD rates. They have 2.3% now.

  • August 11, 2021 |

    CDs 12 Month Rates

    It's a wrong information.
    It's only 0.40%

  • January 3, 2017 |

    CDs 12 Month Rates


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