High Desert Bank

1000 Sw Disk Drive Bldg 6
Bend, OR 97702

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58594
Date Established 2007
Assets $0.02 billion
Loans $0.01 billion
Deposits $0.02 billion
Capital $0.00 billion

High Desert Bank is an FDIC insured institution located in Bend, OR. It was founded in 2007 and has approximately $0.02 billion in assets.

For a more detailed analysis of High Desert 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 High Desert Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in Oregon, High Desert Bank has a significantly higher percent of 1-4 Family Residential Loans, Small Business 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 37.88
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.22
Small Business Loans 38.98
Construction and Development Loans 6.12
Commercial Real Estate 50.19
Commercial and Industrial Loans 9.77
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.05% $1,000 $94,999 Learn MoreShow Less
3 Mo CD 100K
0.05% $95,000 - Learn MoreShow Less
6 Mo CD 10K
0.20% $1,000 $94,999 Learn MoreShow Less
6 Mo CD 100K
0.20% $95,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.05% $100 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.25% $500 $94,999 Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.10% $1 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $100 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for High Desert 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 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More
HomeDirect Mortgage
NMLS ID: 420821
3.888% 3.875% 0.13 $497 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to High Desert Bank
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Branches

High Desert 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


High Desert Bank Locations

Financial Details

High Desert Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of High Desert 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
High Desert Bank U.S. Bank Average
0% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, High Desert Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $742,000 in equity and $402,000 in loans loss reserves. That gives it a Texas Ratio of 0%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
High Desert Bank U.S. Bank Average
-95.04% 8.58

High Desert Bank has a Return on Equity of -95.04% versus the BestCashCow average of 8.58. 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
High Desert Bank U.S. Bank Average
3.11% 12.11

High Desert Bank has a Capitalization of 3.11% versus the BestCashCow average of 12.11. 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.

High Desert Bank Balance Sheet Analysis

As of June 30, 2017, High Desert Bank had assets of $23,851,000, loans of $9,300,000, and deposits of $23,061,000. 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.

Frequently Asked Questions About High Desert Bank

Branches and Savings

Is High Desert Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58594.

Why does High Desert Bank pay such low interest on savings accounts?

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

Why are High Desert Bank CD rates not competitive?

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

Is High Desert Bank a commercial bank?

Yes

Where are High Desert Bank locations?

See branch locations nearby.

Is High Desert Bank open on Saturdays?

Is High Desert Bank open on Sundays?

What time does High Desert Bank open?

What time does High Desert Bank close?

Are High Desert Bank ATMs Open 24/7?

Do High Desert Bank ATMs accept cash deposits?

Can High Desert Bank customers use other ATMs?

Do High Desert Bank branches have notaries?

Will High Desert Bank notarize my document?

What address for High Desert Bank should I put for incoming ACH transfers?

Will the High Desert Bank branch print checks?

Do High Desert Bank checks expire?

Does High Desert Bank require US citizenship to open account?

Can High Desert Bank close my account?

Does High Desert Bank Report to credit bureaus?

Does High Desert Bank Use Equifax?

What is High Desert Bank's ACH Routing Number?

What is High Desert Bank's SWIFT code?

Products

Does High Desert Bank offer mortgages?

Compare mortgage rates here.

Does High Desert Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does High Desert Bank offer personal loans?

Compare personal loan rates here.

Does High Desert Bank offer student loans?

Will High Desert Bank cash a check?

Will High Desert Bank redeem a savings bond?

Does High Desert Bank cash savings bonds?

Will High Desert Bank cash money orders?

Can High Desert Bank issue a money order?

Does High Desert Bank do currency exchange?

Background on The Bank

Who owns High Desert Bank?

How long has High Desert Bank been around?

Can High Desert Bank transfer to other banks?

Does High Desert Bank have quick pay?

Does High Desert Bank accept rolled coins?

Will High Desert Bank accept loose change?

Where is High Desert Bank headquarters?

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