Grand Mountain Bank, FSB

337 East Agate Avenue
Granby, CO 80446

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57531
Date Established 2003
Assets $0.12 billion
Loans $0.08 billion
Deposits $0.11 billion
Capital $0.01 billion

Grand Mountain Bank, FSB is an FDIC insured institution located in Granby, CO. It was founded in 2003 and has approximately $0.12 billion in assets. Customers can open an account at one of its 4 branches.

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

Deposit Rates - August 24, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.25% $100 $99,999 Learn MoreShow Less
Premium Money Market Account
0.25% $2,500 $99,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.20% $1,000 - Learn MoreShow Less
6 Mo CD
0.40% $1,000 - Learn MoreShow Less
12 Mo CD
2.00% $500 - Learn MoreShow Less
18 Mo CD
0.75% $500 - Learn MoreShow Less
24 Mo CD
1.01% $500 - Learn MoreShow Less
Special: 25 Mo CD
1.15% $500 - Learn MoreShow Less
30 Mo CD
1.25% $500 - Learn MoreShow Less
36 Mo CD
1.50% $500 - Learn MoreShow Less
48 Mo CD
1.75% $500 - Learn MoreShow Less
60 Mo CD
2.00% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
2.00% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $100 - Learn MoreShow Less

Loan Rates - August 24, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Grand Mountain Bank, FSB

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
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.529% 3.500% 0.38 $898 $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 Mountain Bank, FSB
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Branches

Grand Mountain Bank, FSB 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 Mountain Bank, FSB Locations


Financial Details

Grand Mountain Bank, FSB Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Grand Mountain Bank, FSB. 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 Mountain Bank, FSB U.S. Bank Average
2.56% 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 Mountain Bank, FSB had $328,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $11,698,000 in equity and $1,139,000 in loans loss reserves. That gives it a Texas Ratio of 2.56%.

Return on Equity
Grand Mountain Bank, FSB U.S. Bank Average
5.05% 9.47%

Grand Mountain Bank, FSB has a Return on Equity of 5.05% 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 Mountain Bank, FSB U.S. Bank Average
9.92% 12.49%

Grand Mountain Bank, FSB has a Capitalization of 9.92% 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 Mountain Bank, FSB Balance Sheet Analysis

As of March 31, 2019, Grand Mountain Bank, FSB had assets of $117,878,000, loans of $79,647,000, and deposits of $105,896,000. 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 $0.01 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.08 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 $0.11 billion
LIABILITIES
Total deposits $0.11 billion
      Interest-bearing deposits $0.08 billion
      Deposits held in domestic offices $0.11 billion
      % insured (estimated) 91.42%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.11 billion
      Shareholders’ Equity $0.01 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 Mountain Bank, FSB’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks in Colorado, Grand Mountain Bank, FSB 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 57.56
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.12
Small Business Loans 0.00
Construction and Development Loans 9.36
Commercial Real Estate 26.10
Commercial and Industrial Loans 5.41
Farm Loans 0.02

Frequently Asked Questions About Grand Mountain Bank, Fsb

Branches and Savings

Is Grand Mountain Bank, Fsb FDIC insured?

Yes. It is covered under FDIC Certificate #57531.

Why does Grand Mountain Bank, Fsb pay such low interest on savings accounts?

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

Why are Grand Mountain Bank, Fsb CD rates not competitive?

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

Is Grand Mountain Bank, Fsb a commercial bank?

Yes

Where are Grand Mountain Bank, Fsb locations?

See branch locations nearby.

Is Grand Mountain Bank, Fsb open on Saturdays?

Is Grand Mountain Bank, Fsb open on Sundays?

What time does Grand Mountain Bank, Fsb open?

What time does Grand Mountain Bank, Fsb close?

Are Grand Mountain Bank, Fsb ATMs Open 24/7?

Do Grand Mountain Bank, Fsb ATMs accept cash deposits?

Can Grand Mountain Bank, Fsb customers use other ATMs?

Do Grand Mountain Bank, Fsb branches have notaries?

Will Grand Mountain Bank, Fsb notarize my document?

What address for Grand Mountain Bank, Fsb should I put for incoming ACH transfers?

Will the Grand Mountain Bank, Fsb branch print checks?

Do Grand Mountain Bank, Fsb checks expire?

Does Grand Mountain Bank, Fsb require US citizenship to open account?

Can Grand Mountain Bank, Fsb close my account?

Does Grand Mountain Bank, Fsb Report to credit bureaus?

Does Grand Mountain Bank, Fsb Use Equifax?

What is Grand Mountain Bank, Fsb's ACH Routing Number?

What is Grand Mountain Bank, Fsb's SWIFT code?

Products

Does Grand Mountain Bank, Fsb offer mortgages?

Compare mortgage rates here.

Does Grand Mountain Bank, Fsb offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Grand Mountain Bank, Fsb offer personal loans?

Compare personal loan rates here.

Does Grand Mountain Bank, Fsb offer student loans?

Will Grand Mountain Bank, Fsb cash a check?

Will Grand Mountain Bank, Fsb redeem a savings bond?

Does Grand Mountain Bank, Fsb cash savings bonds?

Will Grand Mountain Bank, Fsb cash money orders?

Can Grand Mountain Bank, Fsb issue a money order?

Does Grand Mountain Bank, Fsb do currency exchange?

Background on The Bank

Who owns Grand Mountain Bank, Fsb?

How long has Grand Mountain Bank, Fsb been around?

Can Grand Mountain Bank, Fsb transfer to other banks?

Does Grand Mountain Bank, Fsb have quick pay?

Does Grand Mountain Bank, Fsb accept rolled coins?

Will Grand Mountain Bank, Fsb accept loose change?

Where is Grand Mountain Bank, Fsb headquarters?

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