GE Capital Bank

6510 Millrock Drive, # 200
Salt Lake City, UT 84121

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General Bank Information

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

GE Capital Bank is an FDIC insured institution located in Salt Lake City, UT. It was founded in 1993 and has approximately $22.57 billion in assets.

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.

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.

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 0.17
Construction and Development Loans 0.19
Commercial Real Estate 28.24
Commercial and Industrial Loans 68.17
Farm Loans 0.38

Savings Rates

Your Current Location: New York, NY 10007

Loan Rates

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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. Please remember that all banks listed on are FDIC insured while all credit unions are similarly insured by the NCUA. No depositor has ever lost money while their funds have been insured by the FDIC or NCUA.

Texas Ratio
GE Capital Bank U.S. Bank Average
1.59% 8.56%

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, 2015, 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%. 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
GE Capital Bank U.S. Bank Average
5.3% 9.74%

GE Capital Bank has a Return on Equity of 5.3% versus the BestCashCow average of 9.74%. 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.

GE Capital Bank U.S. Bank Average
16.22% 11.23%

GE Capital Bank has a Capitalization of 16.22% versus the BestCashCow average of 11.23%. 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.

GE Capital Bank Balance Sheet Analysis

As of March 31, 2015, GE Capital Bank had assets of $22,570,795,000, 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.

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