First National Bank of Northern California

6600 Mission Street
Daly City, CA 94014

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 18767
Date Established 1963
Assets $1.25 billion
Loans $0.81 billion
Deposits $1.02 billion
Capital $0.12 billion

First National Bank of Northern California is an FDIC insured institution located in Daly City, CA. It was founded in 1963 and has approximately $1.25 billion in assets. Customers can open an account at one of its 13 branches.

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

Bank Loan Profile?

The top three loan types in First National Bank of Northern California’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in California, First National Bank of Northern California 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 20.62
Multifamily
Mortgages
12.92
Credit Card Loans 0.15
Consumer Auto Loans 0.90
Small Business Loans 15.40
Construction and Development Loans 5.73
Commercial Real Estate 53.15
Commercial and Industrial Loans 7.08
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for First National Bank Of Northern California, but see these great savings and CD rates:


Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for First National Bank of Northern California

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to First National Bank of Northern California
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Branches

First National Bank of Northern California 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:
Ashburn,Virginia


First National Bank Of Northern California Locations

Financial Details

First National Bank of Northern California Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First National Bank of Northern California. 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
First National Bank of Northern California U.S. Bank Average
6.74% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, First National Bank of Northern California had $7,371,000 in non-current loans and $1,459,000 in owned real estate. To cover these potential losses it had $120,765,000 in equity and $10,177,000 in loans loss reserves. That gives it a Texas Ratio of 6.74%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
First National Bank of Northern California U.S. Bank Average
11.62% 8.58

First National Bank of Northern California has a Return on Equity of 11.62% versus the BestCashCow average of 8.58. 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
First National Bank of Northern California U.S. Bank Average
9.65% 12.11

First National Bank of Northern California has a Capitalization of 9.65% versus the BestCashCow average of 12.11. 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.

First National Bank of Northern California Balance Sheet Analysis

As of June 30, 2017, First National Bank of Northern California had assets of $1,251,700,000, loans of $808,508,000, and deposits of $1,024,362,000. 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.

Frequently Asked Questions About First National Bank of Northern California

Branches and Savings

Is First National Bank of Northern California FDIC insured?

Yes. It is covered under FDIC Certificate #18767.

Why does First National Bank of Northern California pay such low interest on savings accounts?

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

Why are First National Bank of Northern California CD rates not competitive?

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

Is First National Bank of Northern California a commercial bank?

Yes

Where are First National Bank of Northern California locations?

See branch locations nearby.

Is First National Bank of Northern California open on Saturdays?

Is First National Bank of Northern California open on Sundays?

What time does First National Bank of Northern California open?

What time does First National Bank of Northern California close?

Are First National Bank of Northern California ATMs Open 24/7?

Do First National Bank of Northern California ATMs accept cash deposits?

Can First National Bank of Northern California customers use other ATMs?

Do First National Bank of Northern California branches have notaries?

Will First National Bank of Northern California notarize my document?

What address for First National Bank of Northern California should I put for incoming ACH transfers?

Will the First National Bank of Northern California branch print checks?

Do First National Bank of Northern California checks expire?

Does First National Bank of Northern California require US citizenship to open account?

Can First National Bank of Northern California close my account?

Does First National Bank of Northern California Report to credit bureaus?

Does First National Bank of Northern California Use Equifax?

What is First National Bank of Northern California's ACH Routing Number?

What is First National Bank of Northern California's SWIFT code?

Products

Does First National Bank of Northern California offer mortgages?

Compare mortgage rates here.

Does First National Bank of Northern California offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First National Bank of Northern California offer personal loans?

Compare personal loan rates here.

Does First National Bank of Northern California offer student loans?

Will First National Bank of Northern California cash a check?

Will First National Bank of Northern California redeem a savings bond?

Does First National Bank of Northern California cash savings bonds?

Will First National Bank of Northern California cash money orders?

Can First National Bank of Northern California issue a money order?

Does First National Bank of Northern California do currency exchange?

Background on The Bank

Who owns First National Bank of Northern California?

How long has First National Bank of Northern California been around?

Can First National Bank of Northern California transfer to other banks?

Does First National Bank of Northern California have quick pay?

Does First National Bank of Northern California accept rolled coins?

Will First National Bank of Northern California accept loose change?

Where is First National Bank of Northern California headquarters?

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