Quinnipiac Bank & Trust Company

Headquarters

2704 Dixwell Avenue
Hamden, CT 06514
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.65% →
1-Year CD N.A. 2.02% →
2-Year CD N.A. 3.00% →
5-Year CD N.A. 3.50% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Bank Information

Quinnipiac Bank & Trust Company is an FDIC insured institution located in Hamden, CT. It was founded in 2008 and has approximately $0.12 billion in assets.

FDIC Insured Yes
FDIC Certificate # 58785
Date Established 2008
Assets $ 117.83 million
Loans $ 97.10 million
Deposits $ 100.54 million
Capital $ 10.14 million
 

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

Deposit Rates - June 28, 2022

Your Current Location: California, CA 92111

 

Loan Rates - June 28, 2022

Your Current Location: California, CA 92111

There are currently no loan rates available for Quinnipiac Bank & Trust Company

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 413-0477
5.482% 5.375%
0.75 points
$2,978 fees
$1,400 Learn More

Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More

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Branches

Quinnipiac Bank & Trust Company 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:
San Diego,California


Quinnipiac Bank & Trust Company Locations



Climate Initiatives

Quinnipiac Bank & Trust Company is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

Quinnipiac Bank & Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Quinnipiac Bank & Trust Company. 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
Quinnipiac Bank & Trust Company U.S. Bank Average
8.24% 3.95%

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 December 31, 2021, Quinnipiac Bank & Trust Company had $788,000 in non-current loans and $130,000 in owned real estate. To cover these potential losses it had $10,143,000 in equity and $993,000 in loans loss reserves. That gives it a Texas Ratio of 8.24%.

Return on Equity
Quinnipiac Bank & Trust Company U.S. Bank Average
-4.81% 10.50%

Quinnipiac Bank & Trust Company has a Return on Equity of -4.81% versus the BestCashCow average of 10.50%. 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
Quinnipiac Bank & Trust Company U.S. Bank Average
8.61% 11.55%

Quinnipiac Bank & Trust Company has a Capitalization of 8.61% versus the BestCashCow average of 11.55. 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.

Quinnipiac Bank & Trust Company Balance Sheet Analysis

As of September 30, 2014, Quinnipiac Bank & Trust Company had assets of $117,832,000, loans of $97,103,000, and deposits of $100,542,000. 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

December 31, 2021
ASSETS
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 $ 97.10 million
Loan loss allowance $ 0.99 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.13 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 100.54 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 $ 117.83 million

Summary Income Statement

December 31, 2021
INCOME AND EXPENSES
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 Quinnipiac Bank & Trust Company’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in Connecticut, Quinnipiac Bank & Trust Company has a significantly higher percent of Consumer Auto 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 32.05
Multifamily
Mortgages
8.23
Credit Card Loans 0.00
Consumer Auto Loans 2.56
Small Business Loans 33.18
Construction and Development Loans 0.33
Commercial Real Estate 36.29
Commercial and Industrial Loans 21.33
Farm Loans 0.00

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