Lydian Private Bank


180 Royal Palm Way
Palm Beach, FL 33480
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Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
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

Lydian Private Bank is an FDIC insured institution located in Palm Beach, FL. It was founded in 2000 and has approximately $1.7 billion in assets.

Closed by FDIC on August 19, 2011 and assets transferred to Sabadell United Bank, NA.

FDIC Insured Yes
FDIC Certificate # 35356
Date Established 2000
Assets $ 1,700.12 million
Loans $ 1,132.59 million
Deposits $ 1,253.84 million
Capital $ 39.43 million

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

Deposit Rates - September 18, 2020

Your Current Location: Washington, WA 98109

Loan Rates - September 18, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Lydian Private 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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NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More
NMLS ID: 2890
License#: 520-CL-25944
2.815% 2.750% 0.88 $2,120 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
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3.500 %
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More Info

Note to Lydian Private Bank
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Financial Details

Lydian Private Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Lydian Private 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
Lydian Private Bank U.S. Bank Average
202.29% 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, Lydian Private Bank had $88,109,000 in non-current loans and $41,166,000 in owned real estate. To cover these potential losses it had $39,429,000 in equity and $24,476,000 in loans loss reserves. That gives it a Texas Ratio of 202.29%.

Return on Equity
Lydian Private Bank U.S. Bank Average
-173.71% 7.80%

Lydian Private Bank has a Return on Equity of -173.71% 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.

Lydian Private Bank U.S. Bank Average
2.32% 12.68%

Lydian Private Bank has a Capitalization of 2.32% 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.

Lydian Private Bank Balance Sheet Analysis

As of June 30, 2011, Lydian Private Bank had assets of $1,700,117,000, loans of $1,132,591,000, and deposits of $1,253,835,000. 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
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,132.59 million
Loan loss allowance $ 24.48 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 41.17 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 1,253.84 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 1,700.12 million

Summary Income Statement

March 31, 2020
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Lydian Private Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Lydian Private Bank’s loan portfolio does not show any specific loan specialty.

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 0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Lydian Private Bank

Branches and Savings

Is Lydian Private Bank FDIC insured?

Yes. It is covered under FDIC Certificate #35356.

Why does Lydian Private Bank pay such low interest on savings accounts?

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

Why are Lydian Private Bank CD rates not competitive?

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

Is Lydian Private Bank a commercial bank?


Where are Lydian Private Bank locations?

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Is Lydian Private Bank open on Saturdays?

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Are Lydian Private Bank ATMs Open 24/7?

Do Lydian Private Bank ATMs accept cash deposits?

Can Lydian Private Bank customers use other ATMs?

Do Lydian Private Bank branches have notaries?

Will Lydian Private Bank notarize my document?

What address for Lydian Private Bank should I put for incoming ACH transfers?

Will the Lydian Private Bank branch print checks?

Do Lydian Private Bank checks expire?

Does Lydian Private Bank require US citizenship to open account?

Can Lydian Private Bank close my account?

Does Lydian Private Bank Report to credit bureaus?

Does Lydian Private Bank Use Equifax?

What is Lydian Private Bank's ACH Routing Number?

What is Lydian Private Bank's SWIFT code?


Does Lydian Private Bank offer mortgages?

Compare mortgage rates here.

Does Lydian Private Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Lydian Private Bank offer personal loans?

Compare personal loan rates here.

Does Lydian Private Bank offer student loans?

Will Lydian Private Bank cash a check?

Will Lydian Private Bank redeem a savings bond?

Does Lydian Private Bank cash savings bonds?

Will Lydian Private Bank cash money orders?

Can Lydian Private Bank issue a money order?

Does Lydian Private Bank do currency exchange?

Background on The Bank

Who owns Lydian Private Bank?

How long has Lydian Private Bank been around?

Can Lydian Private Bank transfer to other banks?

Does Lydian Private Bank have quick pay?

Does Lydian Private Bank accept rolled coins?

Will Lydian Private Bank accept loose change?

Where is Lydian Private Bank headquarters?

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