Mohave State Bank

1771 Mcculloch Boulevard
Lake Havasu City, AZ 86403

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 33508
Date Established 1991
Assets $0.60 billion
Loans $0.34 billion
Deposits $0.53 billion
Capital $0.06 billion

Mohave State Bank is an FDIC insured institution located in Lake Havasu City, AZ. It was founded in 1991 and has approximately $0.6 billion in assets. Customers can open an account at one of its 9 branches.

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

Compared to other banks in Arizona, Mohave State Bank has a significantly higher percent of Construction and Development 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 17.05
Multifamily
Mortgages
5.30
Credit Card Loans 0.00
Consumer Auto Loans 0.02
Small Business Loans 25.97
Construction and Development Loans 11.34
Commercial Real Estate 60.49
Commercial and Industrial Loans 5.35
Farm Loans 0.01

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
03MCD10K
0.05% $2,500 $49,999 Learn MoreShow Less
3 Mo CD 100K
0.10% $100,000 - Learn MoreShow Less
06MCD10K
0.05% $2,500 $49,999 Learn MoreShow Less
6 Mo CD 100K
0.10% $100,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
FIXIRA0K
0.10% $2,500 $49,999 Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.03% $1 $9,999 Learn MoreShow Less
MM 10K
0.05% $10,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $2,500 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Mohave State 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
3.896% 3.875% 0.25 $628 $1,176 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
Flagstar Bank 4.990% $268.11 Learn More

Note to Mohave State Bank
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Branches

Mohave State 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


Mohave State Bank Locations

Financial Details

Mohave State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Mohave State 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
Mohave State Bank U.S. Bank Average
5.61% 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, Mohave State Bank had $2,924,000 in non-current loans and $836,000 in owned real estate. To cover these potential losses it had $63,985,000 in equity and $3,001,000 in loans loss reserves. That gives it a Texas Ratio of 5.61%. 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
Mohave State Bank U.S. Bank Average
9.81% 8.58

Mohave State Bank has a Return on Equity of 9.81% 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
Mohave State Bank U.S. Bank Average
10.6% 12.11

Mohave State Bank has a Capitalization of 10.6% 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.

Mohave State Bank Balance Sheet Analysis

As of June 30, 2017, Mohave State Bank had assets of $603,351,000, loans of $335,701,000, and deposits of $534,235,000. 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 Mohave State Bank

Branches and Savings

Is Mohave State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #33508.

Why does Mohave State Bank pay such low interest on savings accounts?

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

Why are Mohave State Bank CD rates not competitive?

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

Is Mohave State Bank a commercial bank?

Yes

Where are Mohave State Bank locations?

See branch locations nearby.

Is Mohave State Bank open on Saturdays?

Is Mohave State Bank open on Sundays?

What time does Mohave State Bank open?

What time does Mohave State Bank close?

Are Mohave State Bank ATMs Open 24/7?

Do Mohave State Bank ATMs accept cash deposits?

Can Mohave State Bank customers use other ATMs?

Do Mohave State Bank branches have notaries?

Will Mohave State Bank notarize my document?

What address for Mohave State Bank should I put for incoming ACH transfers?

Will the Mohave State Bank branch print checks?

Do Mohave State Bank checks expire?

Does Mohave State Bank require US citizenship to open account?

Can Mohave State Bank close my account?

Does Mohave State Bank Report to credit bureaus?

Does Mohave State Bank Use Equifax?

What is Mohave State Bank's ACH Routing Number?

What is Mohave State Bank's SWIFT code?

Products

Does Mohave State Bank offer mortgages?

Compare mortgage rates here.

Does Mohave State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Mohave State Bank offer personal loans?

Compare personal loan rates here.

Does Mohave State Bank offer student loans?

Will Mohave State Bank cash a check?

Will Mohave State Bank redeem a savings bond?

Does Mohave State Bank cash savings bonds?

Will Mohave State Bank cash money orders?

Can Mohave State Bank issue a money order?

Does Mohave State Bank do currency exchange?

Background on The Bank

Who owns Mohave State Bank?

How long has Mohave State Bank been around?

Can Mohave State Bank transfer to other banks?

Does Mohave State Bank have quick pay?

Does Mohave State Bank accept rolled coins?

Will Mohave State Bank accept loose change?

Where is Mohave State Bank headquarters?

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