FIA Card Services, National Association

Headquarters

1100 North King Street
Wilmington, DE 19884
See all branch locations →

Phone 302 432 3252

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

FIA Card Services, National Association is an FDIC insured institution located in Wilmington, DE. It was founded in 1991 and has approximately $127 billion in assets.

FDIC Insured Yes
FDIC Certificate # 33318
Date Established 1991
Assets $ 127.00 billion
Loans $ 106.73 billion
Deposits $ 92.26 billion
Capital $ 19.71 billion
 

For a more detailed analysis of FIA Card Services, National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 21, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - October 21, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for FIA Card Services, National Association

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 2020

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Featured - Connecticut Home Equity Line Of Credit Rates 2020

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Note to FIA Card Services, National Association
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Branches

FIA Card Services, National Association 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


FIA Card Services, National Association Locations


Financial Details

FIA Card Services, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of FIA Card Services, National Association. 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
FIA Card Services, National Association U.S. Bank Average
4.39% 6.94%

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 March 31, 2020, FIA Card Services, National Association had $1,049,000,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $19,714,000,000 in equity and $4,180,000,000 in loans loss reserves. That gives it a Texas Ratio of 4.39%.

Return on Equity
FIA Card Services, National Association U.S. Bank Average
24.18% 7.80%

FIA Card Services, National Association has a Return on Equity of 24.18% versus the BestCashCow average of 7.80%. 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
FIA Card Services, National Association U.S. Bank Average
15.52% 12.68%

FIA Card Services, National Association has a Capitalization of 15.52% versus the BestCashCow average of 12.68. 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.

FIA Card Services, National Association Balance Sheet Analysis

As of September 30, 2014, FIA Card Services, National Association had assets of $127,000,000,000, loans of $106,732,000,000, and deposits of $92,262,000,000. 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, 2020
ASSETS
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 $ 106.73 billion
Loan loss allowance $ 4.18 billion
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.
LIABILITIES
Total deposits $ 92.26 billion
      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 $ 127.00 billion

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
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 FIA Card Services, National Association’s loan portfolio are Credit Card Loans, Commercial and Industrial Loans, and Multifamily Mortgages.

Compared to other banks in Delaware, FIA Card Services, National Association has a significantly higher percent of Credit Card 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 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 94.12
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 5.58
Farm Loans 0.00

Frequently Asked Questions About Fia Card Services, National Association

Branches and Savings

Is Fia Card Services, National Association FDIC insured?

Yes. It is covered under FDIC Certificate #33318.

Why does Fia Card Services, National Association pay such low interest on savings accounts?

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

Why are Fia Card Services, National Association CD rates not competitive?

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

Is Fia Card Services, National Association a commercial bank?

Yes

Where are Fia Card Services, National Association locations?

See branch locations nearby.

Is Fia Card Services, National Association open on Saturdays?

Is Fia Card Services, National Association open on Sundays?

What time does Fia Card Services, National Association open?

What time does Fia Card Services, National Association close?

Are Fia Card Services, National Association ATMs Open 24/7?

Do Fia Card Services, National Association ATMs accept cash deposits?

Can Fia Card Services, National Association customers use other ATMs?

Do Fia Card Services, National Association branches have notaries?

Will Fia Card Services, National Association notarize my document?

What address for Fia Card Services, National Association should I put for incoming ACH transfers?

Will the Fia Card Services, National Association branch print checks?

Do Fia Card Services, National Association checks expire?

Does Fia Card Services, National Association require US citizenship to open account?

Can Fia Card Services, National Association close my account?

Does Fia Card Services, National Association Report to credit bureaus?

Does Fia Card Services, National Association Use Equifax?

What is Fia Card Services, National Association's ACH Routing Number?

What is Fia Card Services, National Association's SWIFT code?

Products

Does Fia Card Services, National Association offer mortgages?

Compare mortgage rates here.

Does Fia Card Services, National Association offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Fia Card Services, National Association offer personal loans?

Compare personal loan rates here.

Does Fia Card Services, National Association offer student loans?

Will Fia Card Services, National Association cash a check?

Will Fia Card Services, National Association redeem a savings bond?

Does Fia Card Services, National Association cash savings bonds?

Will Fia Card Services, National Association cash money orders?

Can Fia Card Services, National Association issue a money order?

Does Fia Card Services, National Association do currency exchange?

Background on The Bank

Who owns Fia Card Services, National Association?

How long has Fia Card Services, National Association been around?

Can Fia Card Services, National Association transfer to other banks?

Does Fia Card Services, National Association have quick pay?

Does Fia Card Services, National Association accept rolled coins?

Will Fia Card Services, National Association accept loose change?

Where is Fia Card Services, National Association headquarters?

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