Hibernia Bank

Headquarters

325 Carondelet St
New Orleans, LA 70130
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.20% 1.60% →
1-Year CD 1.10% 1.55% →
2-Year CD 1.20% 1.45% →
5-Year CD 1.40% 1.66% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Hibernia Bank is an FDIC insured institution located in New Orleans, LA. It was founded in 1886 and has approximately $0.2 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 27752
Date Established 1886
Assets $ 203.06 million
Loans $ 159.85 million
Deposits $ 163.28 million
Capital $ 33.29 million
 

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

Deposit Rates - June 3, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.20% $100 - Learn More
Money Market
0.15% $2,500 $24,999 Learn More
Money Market
0.40% $25,000 $999,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.25% $2,500 - Learn More
6 Mo CD
0.75% $1,000 - Learn More
12 Mo CD
1.10% $1,000 - Learn More
18 Mo CD
1.10% $1,000 - Learn More
24 Mo CD
1.20% $1,000 - Learn More
36 Mo CD
1.20% $1,000 - Learn More
48 Mo CD
1.30% $1,000 - Learn More
60 Mo CD
1.40% $1,000 - Learn More


Loan Rates - June 3, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Hibernia Bank

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 2020

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.998% 3.875% 1.00 $3,750 $1,176 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.019% 3.000% 0.25 $625 $1,055 Learn More

Note to Hibernia Bank
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Branches

Hibernia Bank 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


Hibernia Bank Locations


Financial Details

Hibernia Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Hibernia Bank. 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
Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
Hibernia Bank U.S. Bank Average
1.88% 6.51%

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 December 31, 2019, Hibernia Bank had $637,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $33,288,000 in equity and $603,000 in loans loss reserves. That gives it a Texas Ratio of 1.88%.

Return on Equity
Hibernia Bank U.S. Bank Average
0.95% 9.41%

Hibernia Bank has a Return on Equity of 0.95% versus the BestCashCow average of 9.41%. 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
Hibernia Bank U.S. Bank Average
16.39% 12.82%

Hibernia Bank has a Capitalization of 16.39% versus the BestCashCow average of 12.82. 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.

Hibernia Bank Balance Sheet Analysis

As of December 31, 2019, Hibernia Bank had assets of $203,064,000, loans of $159,849,000, and deposits of $163,284,000. 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

December 31, 2019
ASSETS
Cash & Balances due from depository institutions $ 17.25 million
Interest-bearing balances $ 16.26 million
Total securities $ 7.24 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 159.85 million
Loan loss allowance $ 0.60 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 6.55 million
All other assets $ 3.28 million
     Total Assets $ 169.78 million
LIABILITIES
Total deposits $ 163.28 million
      Interest-bearing deposits $ 150.31 million
      Deposits held in domestic offices $ 163.28 million
      % insured (estimated) 85.18%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 6.01 million
Subordinated debt N.A.
All other liabilities $ 0.48 million
      Total Liabilities $ 169.78 million
      Shareholders’ Equity $ 33.29 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 8.95 million
Total Interest Expense $ 2.90 million
Net interest income $ 6.05 million
Provision for loan and lease losses $ 0.18 million
Total non interest income $ 0.07 million
Total non interest expense $ 5.52 million
Pre-tax Net Operating Income $ 0.41 million

Bank Loan Profile?

The top three loan types in Hibernia Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Louisiana, Hibernia Bank 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 66.09
Multifamily
Mortgages
2.05
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 13.27
Construction and Development Loans 0.53
Commercial Real Estate 29.76
Commercial and Industrial Loans 1.82
Farm Loans 0.00

Frequently Asked Questions About Hibernia Bank

Branches and Savings

Is Hibernia Bank FDIC insured?

Yes. It is covered under FDIC Certificate #27752.

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

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

Why are Hibernia Bank CD rates not competitive?

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

Is Hibernia Bank a commercial bank?

Yes

Where are Hibernia Bank locations?

See branch locations nearby.

Is Hibernia Bank open on Saturdays?

Is Hibernia Bank open on Sundays?

What time does Hibernia Bank open?

What time does Hibernia Bank close?

Are Hibernia Bank ATMs Open 24/7?

Do Hibernia Bank ATMs accept cash deposits?

Can Hibernia Bank customers use other ATMs?

Do Hibernia Bank branches have notaries?

Will Hibernia Bank notarize my document?

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

Will the Hibernia Bank branch print checks?

Do Hibernia Bank checks expire?

Does Hibernia Bank require US citizenship to open account?

Can Hibernia Bank close my account?

Does Hibernia Bank Report to credit bureaus?

Does Hibernia Bank Use Equifax?

What is Hibernia Bank's ACH Routing Number?

What is Hibernia Bank's SWIFT code?

Products

Does Hibernia Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Hibernia Bank offer personal loans?

Compare personal loan rates here.

Does Hibernia Bank offer student loans?

Will Hibernia Bank cash a check?

Will Hibernia Bank redeem a savings bond?

Does Hibernia Bank cash savings bonds?

Will Hibernia Bank cash money orders?

Can Hibernia Bank issue a money order?

Does Hibernia Bank do currency exchange?

Background on The Bank

Who owns Hibernia Bank?

How long has Hibernia Bank been around?

Can Hibernia Bank transfer to other banks?

Does Hibernia Bank have quick pay?

Does Hibernia Bank accept rolled coins?

Will Hibernia Bank accept loose change?

Where is Hibernia Bank headquarters?

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