Grandpoint Bank

333 S. Grand Avenue, Suite 3580
Los Angeles, CA 90071


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58390
Date Established 2007
Assets $3.25 billion
Loans $2.39 billion
Deposits $2.51 billion
Capital $0.33 billion

Grandpoint Bank is an FDIC insured institution located in Los Angeles, CA. It was founded in 2007 and has approximately $3.1 billion in assets. Customers can open an account at one of its 19 branches.

For a more detailed analysis of Grandpoint 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 Grandpoint Bank’s loan portfolio are Commercial Real Estate, Multifamily Mortgages, and Commercial and Industrial Loans.

Compared to other banks in California, Grandpoint Bank has a significantly higher percent of Multifamily Mortgages 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 5.80
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 8.04
Construction and Development Loans 6.76
Commercial Real Estate 44.67
Commercial and Industrial Loans 10.04
Farm Loans 0.00

Deposit Rates - January 22, 2019

Your Current Location: Washington, WA 98109

There are currently no rates available for Grandpoint Bank, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - January 22, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Grandpoint Bank

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

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.375% 5.375% 0.00 $0 $1,400 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
Figure Home Equity Loan Plus
Figure Home Equity Loan Plus
8.000 %
N/A Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info

Note to Grandpoint Bank
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Financial Details

Grandpoint Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Grandpoint Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Grandpoint Bank U.S. Bank Average
2.22% 7.34%

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 September 30, 2018, Grandpoint Bank had $7,080,000 in non-current loans and $547,000 in owned real estate. To cover these potential losses it had $325,234,000 in equity and $18,665,000 in loans loss reserves. That gives it a Texas Ratio of 2.22%.

Return on Equity
Grandpoint Bank U.S. Bank Average
10.43% 9.95%

Grandpoint Bank has a Return on Equity of 10.43% versus the BestCashCow average of 9.95%. 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.

Grandpoint Bank U.S. Bank Average
10% 12.19%

Grandpoint Bank has a Capitalization of 10% versus the BestCashCow average of 12.19. 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.

Grandpoint Bank Balance Sheet Analysis

As of June 30, 2018, Grandpoint Bank had assets of $3,102,869,000, loans of $2,385,377,000, and deposits of $2,509,649,000. 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

September 30, 2018
Cash & Balances due from depository institutions $0.15 billion
Interest-bearing balances $0.11 billion
Total securities $0.40 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $2.39 billion
Loan loss allowance $0.02 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 $0.06 billion
All other assets $0.11 billion
     Total Assets $2.78 billion
Total deposits $2.51 billion
      Interest-bearing deposits $1.44 billion
      Deposits held in domestic offices $2.51 billion
      % insured (estimated) 46.43%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.25 billion
Subordinated debt $0.00 billion
All other liabilities $0.02 billion
      Total Liabilities $2.78 billion
      Shareholders’ Equity $0.48 billion

Summary Income Statement

September 30, 2018
Total Interest Income $0.07 billion
Total Interest Expense $0.01 billion
Net interest income $0.06 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.04 billion
Pre-tax Net Operating Income $0.02 billion

Frequently Asked Questions About Grandpoint Bank

Branches and Savings

Is Grandpoint Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58390.

Why does Grandpoint Bank pay such low interest on savings accounts?

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

Why are Grandpoint Bank CD rates not competitive?

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

Is Grandpoint Bank a commercial bank?


Where are Grandpoint Bank locations?

See branch locations nearby.

Is Grandpoint Bank open on Saturdays?

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Are Grandpoint Bank ATMs Open 24/7?

Do Grandpoint Bank ATMs accept cash deposits?

Can Grandpoint Bank customers use other ATMs?

Do Grandpoint Bank branches have notaries?

Will Grandpoint Bank notarize my document?

What address for Grandpoint Bank should I put for incoming ACH transfers?

Will the Grandpoint Bank branch print checks?

Do Grandpoint Bank checks expire?

Does Grandpoint Bank require US citizenship to open account?

Can Grandpoint Bank close my account?

Does Grandpoint Bank Report to credit bureaus?

Does Grandpoint Bank Use Equifax?

What is Grandpoint Bank's ACH Routing Number?

What is Grandpoint Bank's SWIFT code?


Does Grandpoint Bank offer mortgages?

Compare mortgage rates here.

Does Grandpoint Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Grandpoint Bank offer personal loans?

Compare personal loan rates here.

Does Grandpoint Bank offer student loans?

Will Grandpoint Bank cash a check?

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Does Grandpoint Bank cash savings bonds?

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Can Grandpoint Bank issue a money order?

Does Grandpoint Bank do currency exchange?

Background on The Bank

Who owns Grandpoint Bank?

How long has Grandpoint Bank been around?

Can Grandpoint Bank transfer to other banks?

Does Grandpoint Bank have quick pay?

Does Grandpoint Bank accept rolled coins?

Will Grandpoint Bank accept loose change?

Where is Grandpoint Bank headquarters?

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*All images, logos and public notes on this page appear courtesy of Grandpoint Bank and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.