Pavillion Bank

1200 W Campbell Road
Richardson, TX 75080

Notable Rates APY Vs.Others
Savings 0.03% 2.20% →
1-Year CD 0.55% 2.20% →
2-Year CD 0.80% 2.20% →
5-Year CD 1.50% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

Pavillion Bank is an FDIC insured institution located in Richardson, TX. It was founded in 1983 and has approximately $0.08 billion in assets.

FDIC Insured Yes
FDIC Certificate # 24303
Date Established 1983
Assets $0.08 billion
Loans $0.05 billion
Deposits $0.07 billion
Capital $0.01 billion

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

Deposit Rates - February 24, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.03% $2,500 $49,999 Learn MoreShow Less
3 Mo CD
0.05% $1,000 $99,999 Learn MoreShow Less
3 Mo CD
0.10% $100,000 - Learn MoreShow Less
6 Mo CD
0.25% $1,000 $99,999 Learn MoreShow Less
6 Mo CD
0.30% $100,000 - Learn MoreShow Less
12 Mo CD
0.40% $1,000 $99,999 Learn MoreShow Less
12 Mo CD
0.55% $100,000 - Learn MoreShow Less
24 Mo CD
0.75% $1,000 $99,999 Learn MoreShow Less
24 Mo CD
0.80% $100,000 - Learn MoreShow Less
60 Mo CD
1.25% $1,000 $99,999 Learn MoreShow Less
60 Mo CD
1.50% $100,000 - Learn MoreShow Less

Fixed IRA
0.40% $1,000 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.03% $100 $49,999 Learn MoreShow Less

Loan Rates - February 24, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Pavillion 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

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.284% 3.250% 0.38 $1,070 $1,089 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to Pavillion Bank
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Pavillion Bank Locations

Financial Details

Pavillion Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Pavillion 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
Pavillion Bank U.S. Bank Average
18.85% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 September 30, 2019, Pavillion Bank had $2,005,000 in non-current loans and $60,000 in owned real estate. To cover these potential losses it had $10,312,000 in equity and $645,000 in loans loss reserves. That gives it a Texas Ratio of 18.85%.

Return on Equity
Pavillion Bank U.S. Bank Average
9.61% 9.72%

Pavillion Bank has a Return on Equity of 9.61% versus the BestCashCow average of 9.72%. 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.

Pavillion Bank U.S. Bank Average
13.64% 12.89%

Pavillion Bank has a Capitalization of 13.64% versus the BestCashCow average of 12.89. 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.

Pavillion Bank Balance Sheet Analysis

As of September 30, 2019, Pavillion Bank had assets of $75,578,000, loans of $51,051,000, and deposits of $65,003,000. 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

September 30, 2019
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.05 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.07 billion
Total deposits $0.07 billion
      Interest-bearing deposits $0.05 billion
      Deposits held in domestic offices $0.07 billion
      % insured (estimated) 58.31%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.07 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Pavillion Bank’s loan portfolio are Construction and Development Loans, 1-4 Family Residential Loans, and Commercial Real Estate.

Compared to other banks in Texas, Pavillion 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 27.23
Credit Card Loans 0.00
Consumer Auto Loans 1.02
Small Business Loans 0.00
Construction and Development Loans 49.36
Commercial Real Estate 13.21
Commercial and Industrial Loans 10.00
Farm Loans 0.00

Frequently Asked Questions About Pavillion Bank

Branches and Savings

Is Pavillion Bank FDIC insured?

Yes. It is covered under FDIC Certificate #24303.

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

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

Why are Pavillion Bank CD rates not competitive?

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

Is Pavillion Bank a commercial bank?


Where are Pavillion Bank locations?

See branch locations nearby.

Is Pavillion Bank open on Saturdays?

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Are Pavillion Bank ATMs Open 24/7?

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Do Pavillion Bank branches have notaries?

Will Pavillion Bank notarize my document?

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Will the Pavillion Bank branch print checks?

Do Pavillion Bank checks expire?

Does Pavillion Bank require US citizenship to open account?

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Does Pavillion Bank Report to credit bureaus?

Does Pavillion Bank Use Equifax?

What is Pavillion Bank's ACH Routing Number?

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Does Pavillion Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Pavillion Bank offer personal loans?

Compare personal loan rates here.

Does Pavillion Bank offer student loans?

Will Pavillion Bank cash a check?

Will Pavillion Bank redeem a savings bond?

Does Pavillion Bank cash savings bonds?

Will Pavillion Bank cash money orders?

Can Pavillion Bank issue a money order?

Does Pavillion Bank do currency exchange?

Background on The Bank

Who owns Pavillion Bank?

How long has Pavillion Bank been around?

Can Pavillion Bank transfer to other banks?

Does Pavillion Bank have quick pay?

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