GE Capital Bank

Headquarters

6510 Millrock Drive, Suite #200
Salt Lake City, UT 84121
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

GE Capital Bank is an FDIC insured institution located in Salt Lake City, UT. It was founded in 1993 and has approximately $21.08 billion in assets.

FDIC Insured Yes
FDIC Certificate # 33778
Date Established 1993
Assets $ 23.91 billion
Loans $ 17.54 billion
Deposits $ 19.06 billion
Capital $ 3.88 billion
 

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

Deposit Rates - September 23, 2021

Your Current Location: California, CA 92111

 

Loan Rates - September 23, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for GE Capital Bank

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




Featured - California 30 Year Fixed Mortgage Rates 2021

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2.806% 2.750%
0.75 points
$1,818 fees
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Featured - California Home Equity Line Of Credit Rates 2021

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Note to GE Capital Bank
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Branches

GE Capital Bank 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:
San Diego,California


GE Capital Bank Locations


Financial Details

GE Capital Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of GE Capital 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
GE Capital Bank U.S. Bank Average
1.59% 5.29%

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, 2021, GE Capital Bank had $63,450,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $3,877,645,000 in equity and $117,668,000 in loans loss reserves. That gives it a Texas Ratio of 1.59%.

Return on Equity
GE Capital Bank U.S. Bank Average
5.3% 11.43%

GE Capital Bank has a Return on Equity of 5.3% versus the BestCashCow average of 11.43%. 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
GE Capital Bank U.S. Bank Average
16.22% 11.51%

GE Capital Bank has a Capitalization of 16.22% versus the BestCashCow average of 11.51. 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.

GE Capital Bank Balance Sheet Analysis

As of March 31, 2015, GE Capital Bank had assets of $21,079,563,000, loans of $17,543,608,000, and deposits of $19,059,103,000. 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, 2021
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 $ 17.54 billion
Loan loss allowance $ 117.67 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.
LIABILITIES
Total deposits $ 19.06 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 $ 23.91 billion

Summary Income Statement

March 31, 2021
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 GE Capital Bank’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and Farm Loans.

Compared to other banks in Utah, GE Capital Bank has a significantly higher percent of 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 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.17
Construction and Development Loans 0.19
Commercial Real Estate 28.24
Commercial and Industrial Loans 68.17
Farm Loans 0.38

Frequently Asked Questions About Ge Capital Bank

Branches and Savings

Is Ge Capital Bank FDIC insured?

Yes. It is covered under FDIC Certificate #33778.

Why does Ge Capital Bank pay such low interest on savings accounts?

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

Why are Ge Capital Bank CD rates not competitive?

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

Is Ge Capital Bank a commercial bank?

Yes

Where are Ge Capital Bank locations?

See branch locations nearby.

Is Ge Capital Bank open on Saturdays?

Is Ge Capital Bank open on Sundays?

What time does Ge Capital Bank open?

What time does Ge Capital Bank close?

Are Ge Capital Bank ATMs Open 24/7?

Do Ge Capital Bank ATMs accept cash deposits?

Can Ge Capital Bank customers use other ATMs?

Do Ge Capital Bank branches have notaries?

Will Ge Capital Bank notarize my document?

What address for Ge Capital Bank should I put for incoming ACH transfers?

Will the Ge Capital Bank branch print checks?

Do Ge Capital Bank checks expire?

Does Ge Capital Bank require US citizenship to open account?

Can Ge Capital Bank close my account?

Does Ge Capital Bank Report to credit bureaus?

Does Ge Capital Bank Use Equifax?

What is Ge Capital Bank's ACH Routing Number?

What is Ge Capital Bank's SWIFT code?

Products

Does Ge Capital Bank offer mortgages?

Compare mortgage rates here.

Does Ge Capital Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Ge Capital Bank offer personal loans?

Compare personal loan rates here.

Does Ge Capital Bank offer student loans?

Will Ge Capital Bank cash a check?

Will Ge Capital Bank redeem a savings bond?

Does Ge Capital Bank cash savings bonds?

Will Ge Capital Bank cash money orders?

Can Ge Capital Bank issue a money order?

Does Ge Capital Bank do currency exchange?

Background on The Bank

Who owns Ge Capital Bank?

How long has Ge Capital Bank been around?

Can Ge Capital Bank transfer to other banks?

Does Ge Capital Bank have quick pay?

Does Ge Capital Bank accept rolled coins?

Will Ge Capital Bank accept loose change?

Where is Ge Capital Bank headquarters?

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