Gibraltar Private Bank & Trust Co.

Headquarters

55 Alhambra Plaza, Eighth Floor
Coral Gables, FL 33134
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
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

Gibraltar Private Bank & Trust Co. is an FDIC insured institution located in Coral Gables, FL. It was founded in 1984 and has approximately $1.61 billion in assets. Customers can open an account at one of its 8 branches.

FDIC Insured Yes
FDIC Certificate # 32212
Date Established 1984
Assets $ 1,607.24 million
Loans $ 1,454.98 million
Deposits $ 1,050.70 million
Capital $ 146.88 million
 

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

Deposit Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Gibraltar Private Bank & Trust Co.

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

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,122 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
3.872% 3.750% 1.00 $3,750 $1,158 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
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Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
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Note to Gibraltar Private Bank & Trust Co.
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Branches

Gibraltar Private Bank & Trust Co. 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


Gibraltar Private Bank & Trust Co. Locations


Financial Details

Gibraltar Private Bank & Trust Co. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Gibraltar Private Bank & Trust Co.. 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
Gibraltar Private Bank & Trust Co. U.S. Bank Average
6.66% 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, Gibraltar Private Bank & Trust Co. had $11,229,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $146,878,000 in equity and $21,688,000 in loans loss reserves. That gives it a Texas Ratio of 6.66%.

Return on Equity
Gibraltar Private Bank & Trust Co. U.S. Bank Average
2.27% 7.80%

Gibraltar Private Bank & Trust Co. has a Return on Equity of 2.27% 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
Gibraltar Private Bank & Trust Co. U.S. Bank Average
9.14% 12.68%

Gibraltar Private Bank & Trust Co. has a Capitalization of 9.14% 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.

Gibraltar Private Bank & Trust Co. Balance Sheet Analysis

As of December 31, 2017, Gibraltar Private Bank & Trust Co. had assets of $1,607,372,000, loans of $1,454,980,000, and deposits of $1,050,699,000. 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 $ 91.17 million
Interest-bearing balances $ 86.19 million
Total securities $ 29.77 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,454.98 million
Loan loss allowance $ 21.69 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 $ 27.38 million
     Total Assets $ 1,460.49 million
LIABILITIES
Total deposits $ 1,050.70 million
      Interest-bearing deposits $ 774.82 million
      Deposits held in domestic offices $ 1,050.70 million
      % insured (estimated) 58.40%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 400.11 million
Subordinated debt N.A.
All other liabilities $ 9.68 million
      Total Liabilities $ 1,460.49 million
      Shareholders’ Equity $ 146.75 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 61.40 million
Total Interest Expense $ 11.19 million
Net interest income $ 50.20 million
Provision for loan and lease losses N.A.
Total non interest income $ 6.40 million
Total non interest expense $ 51.44 million
Pre-tax Net Operating Income $ 5.17 million

Bank Loan Profile?

The top three loan types in Gibraltar Private Bank & Trust Co.’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks in Florida, Gibraltar Private Bank & Trust Co. has a significantly higher percent of 1-4 Family Residential 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 71.93
Multifamily
Mortgages
1.48
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 2.15
Construction and Development Loans 7.77
Commercial Real Estate 15.58
Commercial and Industrial Loans 3.15
Farm Loans 0.00

Frequently Asked Questions About Gibraltar Private Bank & Trust Co.

Branches and Savings

Is Gibraltar Private Bank & Trust Co. FDIC insured?

Yes. It is covered under FDIC Certificate #32212.

Why does Gibraltar Private Bank & Trust Co. pay such low interest on savings accounts?

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

Why are Gibraltar Private Bank & Trust Co. CD rates not competitive?

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

Is Gibraltar Private Bank & Trust Co. a commercial bank?

Yes

Where are Gibraltar Private Bank & Trust Co. locations?

See branch locations nearby.

Is Gibraltar Private Bank & Trust Co. open on Saturdays?

Is Gibraltar Private Bank & Trust Co. open on Sundays?

What time does Gibraltar Private Bank & Trust Co. open?

What time does Gibraltar Private Bank & Trust Co. close?

Are Gibraltar Private Bank & Trust Co. ATMs Open 24/7?

Do Gibraltar Private Bank & Trust Co. ATMs accept cash deposits?

Can Gibraltar Private Bank & Trust Co. customers use other ATMs?

Do Gibraltar Private Bank & Trust Co. branches have notaries?

Will Gibraltar Private Bank & Trust Co. notarize my document?

What address for Gibraltar Private Bank & Trust Co. should I put for incoming ACH transfers?

Will the Gibraltar Private Bank & Trust Co. branch print checks?

Do Gibraltar Private Bank & Trust Co. checks expire?

Does Gibraltar Private Bank & Trust Co. require US citizenship to open account?

Can Gibraltar Private Bank & Trust Co. close my account?

Does Gibraltar Private Bank & Trust Co. Report to credit bureaus?

Does Gibraltar Private Bank & Trust Co. Use Equifax?

What is Gibraltar Private Bank & Trust Co.'s ACH Routing Number?

What is Gibraltar Private Bank & Trust Co.'s SWIFT code?

Products

Does Gibraltar Private Bank & Trust Co. offer mortgages?

Compare mortgage rates here.

Does Gibraltar Private Bank & Trust Co. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Gibraltar Private Bank & Trust Co. offer personal loans?

Compare personal loan rates here.

Does Gibraltar Private Bank & Trust Co. offer student loans?

Will Gibraltar Private Bank & Trust Co. cash a check?

Will Gibraltar Private Bank & Trust Co. redeem a savings bond?

Does Gibraltar Private Bank & Trust Co. cash savings bonds?

Will Gibraltar Private Bank & Trust Co. cash money orders?

Can Gibraltar Private Bank & Trust Co. issue a money order?

Does Gibraltar Private Bank & Trust Co. do currency exchange?

Background on The Bank

Who owns Gibraltar Private Bank & Trust Co.?

How long has Gibraltar Private Bank & Trust Co. been around?

Can Gibraltar Private Bank & Trust Co. transfer to other banks?

Does Gibraltar Private Bank & Trust Co. have quick pay?

Does Gibraltar Private Bank & Trust Co. accept rolled coins?

Will Gibraltar Private Bank & Trust Co. accept loose change?

Where is Gibraltar Private Bank & Trust Co. headquarters?

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