Grand Bank, National Association

One Edinburg Road
Hamilton, NJ 08619

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57274
Date Established 2002
Assets $0.20 billion
Loans $0.16 billion
Deposits $0.16 billion
Capital $0.02 billion

Grand Bank, National Association is an FDIC insured institution located in Hamilton, NJ. It was founded in 2002 and has approximately $0.2 billion in assets. Customers can open an account at one of its 2 branches.

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

Deposit Rates - August 23, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
1.04% $1 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.25% $1,000 - Learn MoreShow Less
Special: 6 Mo CD
1.50% $1,000 - Learn MoreShow Less
6 Mo CD
1.02% $1,000 - Learn MoreShow Less
12 Mo CD
1.41% $1,000 $99,999 Learn MoreShow Less
12 Mo CD
1.51% $100,000 - Learn MoreShow Less
Special: 18 Mo CD
2.10% $1,000 - Learn MoreShow Less
18 Mo CD
1.51% $1,000 - Learn MoreShow Less
Special: 24 Mo CD
2.20% $1,000 - Learn MoreShow Less
24 Mo CD
1.71% $1,000 $99,999 Learn MoreShow Less
24 Mo CD
1.82% $100,000 - Learn MoreShow Less
30 Mo CD
1.61% $1,000 - Learn MoreShow Less
36 Mo CD
1.50% $1,000 $99,999 Learn MoreShow Less
36 Mo CD
1.77% $100,000 - Learn MoreShow Less
48 Mo CD
1.82% $1,000 - Learn MoreShow Less
60 Mo CD
2.07% $1,000 $99,999 Learn MoreShow Less
60 Mo CD
2.12% $100,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.41% $1,000 - Learn MoreShow Less
Special: 6 Mo FIRA
1.50% $1,000 - Learn MoreShow Less
Special: 18 Mo FIRA
2.10% $1,000 - Learn MoreShow Less
Special: 24 Mo FIRA
2.20% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.84% $1 - Learn MoreShow Less

Loan Rates - August 23, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Grand Bank, National Association

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 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
First Internet Bank
NMLS ID: 424182
3.657% 3.625% 0.38 $980 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.522% 3.500% 0.25 $675 $1,123 Learn More
Triangle Lending Group, Inc.
NMLS ID: 64446
License#: MC-5531
3.545% 3.500% 0.13 $1,424 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.240 %
$0 Learn More
More Info

Note to Grand Bank, National Association
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Grand Bank, 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:
Ashburn,Virginia


Grand Bank, National Association Locations


Financial Details

Grand Bank, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Grand Bank, 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
Grand Bank, National Association U.S. Bank Average
35.34% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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, 2019, Grand Bank, National Association had $5,145,000 in non-current loans and $3,444,000 in owned real estate. To cover these potential losses it had $22,295,000 in equity and $2,007,000 in loans loss reserves. That gives it a Texas Ratio of 35.34%.

Return on Equity
Grand Bank, National Association U.S. Bank Average
1.47% 9.47%

Grand Bank, National Association has a Return on Equity of 1.47% versus the BestCashCow average of 9.47%. 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
Grand Bank, National Association U.S. Bank Average
11.35% 12.49%

Grand Bank, National Association has a Capitalization of 11.35% versus the BestCashCow average of 12.49. 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.

Grand Bank, National Association Balance Sheet Analysis

As of March 31, 2019, Grand Bank, National Association had assets of $196,484,000, loans of $156,296,000, and deposits of $163,671,000. 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, 2019
ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.02 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.16 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.17 billion
LIABILITIES
Total deposits $0.16 billion
      Interest-bearing deposits $0.13 billion
      Deposits held in domestic offices $0.16 billion
      % insured (estimated) 70.37%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.17 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Grand Bank, National Association’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in New Jersey, Grand Bank, National Association has a significantly higher percent of Commercial Real Estate 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 24.75
Multifamily
Mortgages
3.61
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 2.68
Commercial Real Estate 56.40
Commercial and Industrial Loans 9.02
Farm Loans 0.00

Frequently Asked Questions About Grand Bank, National Association

Branches and Savings

Is Grand Bank, National Association FDIC insured?

Yes. It is covered under FDIC Certificate #57274.

Why does Grand Bank, 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 Grand Bank, National Association CD rates not competitive?

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

Is Grand Bank, National Association a commercial bank?

Yes

Where are Grand Bank, National Association locations?

See branch locations nearby.

Is Grand Bank, National Association open on Saturdays?

Is Grand Bank, National Association open on Sundays?

What time does Grand Bank, National Association open?

What time does Grand Bank, National Association close?

Are Grand Bank, National Association ATMs Open 24/7?

Do Grand Bank, National Association ATMs accept cash deposits?

Can Grand Bank, National Association customers use other ATMs?

Do Grand Bank, National Association branches have notaries?

Will Grand Bank, National Association notarize my document?

What address for Grand Bank, National Association should I put for incoming ACH transfers?

Will the Grand Bank, National Association branch print checks?

Do Grand Bank, National Association checks expire?

Does Grand Bank, National Association require US citizenship to open account?

Can Grand Bank, National Association close my account?

Does Grand Bank, National Association Report to credit bureaus?

Does Grand Bank, National Association Use Equifax?

What is Grand Bank, National Association's ACH Routing Number?

What is Grand Bank, National Association's SWIFT code?

Products

Does Grand Bank, National Association offer mortgages?

Compare mortgage rates here.

Does Grand Bank, National Association offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Grand Bank, National Association offer personal loans?

Compare personal loan rates here.

Does Grand Bank, National Association offer student loans?

Will Grand Bank, National Association cash a check?

Will Grand Bank, National Association redeem a savings bond?

Does Grand Bank, National Association cash savings bonds?

Will Grand Bank, National Association cash money orders?

Can Grand Bank, National Association issue a money order?

Does Grand Bank, National Association do currency exchange?

Background on The Bank

Who owns Grand Bank, National Association?

How long has Grand Bank, National Association been around?

Can Grand Bank, National Association transfer to other banks?

Does Grand Bank, National Association have quick pay?

Does Grand Bank, National Association accept rolled coins?

Will Grand Bank, National Association accept loose change?

Where is Grand Bank, National Association headquarters?

Customer Reviews for Grand Bank, National Association

There are currently no comments for Grand Bank, National Association. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →