Los Alamos National Bank

Headquarters

1200 Trinity Drive
Los Alamos, NM 87544
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Los Alamos National Bank is an FDIC insured institution located in Los Alamos, NM. It was founded in 1963 and has approximately $1.25 billion in assets. Customers can open an account at one of its 6 branches.

FDIC Insured Yes
FDIC Certificate # 18799
Date Established 1963
Assets $ 1,250.27 million
Loans $ 707.91 million
Deposits $ 1,092.09 million
Capital $ 133.80 million
 

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

Deposit Rates - October 25, 2020

Your Current Location: Washington, WA 98101


Loan Rates - October 25, 2020

Your Current Location: Washington, WA 98101

There are currently no loan rates available for Los Alamos National 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 2020

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Payment
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3.746% 3.625% 1.00 $3,750 $1,141 Learn More
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2.575% 2.500% 1.00 $2,470 $988 Learn More
Cascadia Mortgage
NMLS ID: 1505422
License#: NMLS #1505422
2.830% 2.750% 0.63 $2,622 $1,021 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to Los Alamos National Bank
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Branches

Los Alamos National Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Los Alamos National Bank Locations


Financial Details

Los Alamos National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Los Alamos National 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
Los Alamos National Bank U.S. Bank Average
16.18% 6.94%

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 March 31, 2020, Los Alamos National Bank had $17,312,000 in non-current loans and $5,877,000 in owned real estate. To cover these potential losses it had $133,799,000 in equity and $9,528,000 in loans loss reserves. That gives it a Texas Ratio of 16.18%.

Return on Equity
Los Alamos National Bank U.S. Bank Average
11.87% 7.80%

Los Alamos National Bank has a Return on Equity of 11.87% versus the BestCashCow average of 7.80%. 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
Los Alamos National Bank U.S. Bank Average
10.7% 12.68%

Los Alamos National Bank has a Capitalization of 10.7% versus the BestCashCow average of 12.68. 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.

Los Alamos National Bank Balance Sheet Analysis

As of December 31, 2018, Los Alamos National Bank had assets of $1,247,674,000, loans of $707,906,000, and deposits of $1,092,092,000. 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, 2020
ASSETS
Cash & Balances due from depository institutions $ 16.64 million
Interest-bearing balances $ 4.82 million
Total securities $ 435.73 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 707.91 million
Loan loss allowance $ 9.53 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 5.88 million
Goodwill and other intangibles N.A.
All other assets $ 54.81 million
     Total Assets $ 1,113.88 million
LIABILITIES
Total deposits $ 1,092.09 million
      Interest-bearing deposits $ 1,074.75 million
      Deposits held in domestic offices $ 1,092.09 million
      % insured (estimated) 90.55%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 13.80 million
Subordinated debt N.A.
All other liabilities $ 7.98 million
      Total Liabilities $ 1,113.88 million
      Shareholders’ Equity $ 136.39 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 44.55 million
Total Interest Expense $ 2.07 million
Net interest income $ 42.49 million
Provision for loan and lease losses N.A.
Total non interest income $ 9.82 million
Total non interest expense $ 36.85 million
Pre-tax Net Operating Income $ 16.94 million

Bank Loan Profile?

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

Compared to other banks in New Mexico, Los Alamos National Bank has a significantly higher percent of Small Business Loans, 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 20.84
Multifamily
Mortgages
2.78
Credit Card Loans 0.97
Consumer Auto Loans 0.13
Small Business Loans 11.93
Construction and Development Loans 10.79
Commercial Real Estate 55.53
Commercial and Industrial Loans 8.97
Farm Loans 0.00

Frequently Asked Questions About Los Alamos National Bank

Branches and Savings

Is Los Alamos National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #18799.

Why does Los Alamos National Bank pay such low interest on savings accounts?

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

Why are Los Alamos National Bank CD rates not competitive?

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

Is Los Alamos National Bank a commercial bank?

Yes

Where are Los Alamos National Bank locations?

See branch locations nearby.

Is Los Alamos National Bank open on Saturdays?

Is Los Alamos National Bank open on Sundays?

What time does Los Alamos National Bank open?

What time does Los Alamos National Bank close?

Are Los Alamos National Bank ATMs Open 24/7?

Do Los Alamos National Bank ATMs accept cash deposits?

Can Los Alamos National Bank customers use other ATMs?

Do Los Alamos National Bank branches have notaries?

Will Los Alamos National Bank notarize my document?

What address for Los Alamos National Bank should I put for incoming ACH transfers?

Will the Los Alamos National Bank branch print checks?

Do Los Alamos National Bank checks expire?

Does Los Alamos National Bank require US citizenship to open account?

Can Los Alamos National Bank close my account?

Does Los Alamos National Bank Report to credit bureaus?

Does Los Alamos National Bank Use Equifax?

What is Los Alamos National Bank's ACH Routing Number?

What is Los Alamos National Bank's SWIFT code?

Products

Does Los Alamos National Bank offer mortgages?

Compare mortgage rates here.

Does Los Alamos National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Los Alamos National Bank offer personal loans?

Compare personal loan rates here.

Does Los Alamos National Bank offer student loans?

Will Los Alamos National Bank cash a check?

Will Los Alamos National Bank redeem a savings bond?

Does Los Alamos National Bank cash savings bonds?

Will Los Alamos National Bank cash money orders?

Can Los Alamos National Bank issue a money order?

Does Los Alamos National Bank do currency exchange?

Background on The Bank

Who owns Los Alamos National Bank?

How long has Los Alamos National Bank been around?

Can Los Alamos National Bank transfer to other banks?

Does Los Alamos National Bank have quick pay?

Does Los Alamos National Bank accept rolled coins?

Will Los Alamos National Bank accept loose change?

Where is Los Alamos National Bank headquarters?

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