Rabobank, National Association

Headquarters

915 Highland Pointe Drive, Suite 350
Roseville, CA 95678
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Rabobank, National Association is an FDIC insured institution located in Roseville, CA. It was founded in 1981 and has approximately $13.19 billion in assets. Customers can open an account at one of its 112 branches.

FDIC Insured Yes
FDIC Certificate # 23364
Date Established 1981
Assets $ 13.45 billion
Loans $ 9.62 billion
Deposits $ 9.81 billion
Capital $ 1,780.24 million
 

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

Deposit Rates - July 30, 2021

Your Current Location: Virginia, VA 20146

 

Loan Rates - July 30, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Rabobank, National Association

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 2021

Lender APR Rate (%) Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.349% 3.250%
0.75 points
$3,125 fees
$1,089 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
4.840 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Rabobank, National Association
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Branches

Rabobank, National Association 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


Rabobank, National Association Locations


Financial Details

Rabobank, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Rabobank, National Association. 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
Rabobank, National Association U.S. Bank Average
13.35% 5.29%

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, 2021, Rabobank, National Association had $244,133,000 in non-current loans and $221,000 in owned real estate. To cover these potential losses it had $1,780,239,000 in equity and $50,176,000 in loans loss reserves. That gives it a Texas Ratio of 13.35%.

Return on Equity
Rabobank, National Association U.S. Bank Average
17.42% 11.43%

Rabobank, National Association has a Return on Equity of 17.42% versus the BestCashCow average of 11.43%. 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
Rabobank, National Association U.S. Bank Average
13.24% 11.51%

Rabobank, National Association has a Capitalization of 13.24% versus the BestCashCow average of 11.51. 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.

Rabobank, National Association Balance Sheet Analysis

As of June 30, 2019, Rabobank, National Association had assets of $13,189,919,000, loans of $9,616,533,000, and deposits of $9,812,381,000. 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, 2021
ASSETS
Cash & Balances due from depository institutions $ 444.89 million
Interest-bearing balances $ 175.56 million
Total securities $ 2.30 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 9.62 billion
Loan loss allowance $ 50.18 million
Trading account assets $ 111.36 million
Bank premises and fixed assets N.A.
Other real estate owned $ 0.22 million
Goodwill and other intangibles $ 287.17 million
All other assets $ 330.01 million
     Total Assets $ 11.41 billion
LIABILITIES
Total deposits $ 9.81 billion
      Interest-bearing deposits $ 5.99 billion
      Deposits held in domestic offices $ 9.81 billion
      % insured (estimated) 62.07%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities $ 78.32 million
Other borrowed funds $ 1,375.00 million
Subordinated debt N.A.
All other liabilities $ 143.98 million
      Total Liabilities $ 11.41 billion
      Shareholders’ Equity $ 2.04 billion

Summary Income Statement

March 31, 2021
INCOME AND EXPENSES
Total Interest Income $ 268.56 million
Total Interest Expense $ 52.35 million
Net interest income $ 216.21 million
Provision for loan and lease losses N.A.
Total non interest income $ 35.87 million
Total non interest expense $ 133.38 million
Pre-tax Net Operating Income $ 164.55 million

Bank Loan Profile?

The top three loan types in Rabobank, National Association’s loan portfolio are Commercial Real Estate, Farm Loans, and 1-4 Family Residential Loans.

Compared to other banks in California, Rabobank, National Association has a significantly higher percent of Farm 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 15.51
Multifamily
Mortgages
2.86
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 2.68
Construction and Development Loans 1.45
Commercial Real Estate 33.58
Commercial and Industrial Loans 4.66
Farm Loans 18.61

Frequently Asked Questions About Rabobank, National Association

Branches and Savings

Is Rabobank, National Association FDIC insured?

Yes. It is covered under FDIC Certificate #23364.

Why does Rabobank, National Association pay such low interest on savings accounts?

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

Why are Rabobank, National Association CD rates not competitive?

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

Is Rabobank, National Association a commercial bank?

Yes

Where are Rabobank, National Association locations?

See branch locations nearby.

Is Rabobank, National Association open on Saturdays?

Is Rabobank, National Association open on Sundays?

What time does Rabobank, National Association open?

What time does Rabobank, National Association close?

Are Rabobank, National Association ATMs Open 24/7?

Do Rabobank, National Association ATMs accept cash deposits?

Can Rabobank, National Association customers use other ATMs?

Do Rabobank, National Association branches have notaries?

Will Rabobank, National Association notarize my document?

What address for Rabobank, National Association should I put for incoming ACH transfers?

Will the Rabobank, National Association branch print checks?

Do Rabobank, National Association checks expire?

Does Rabobank, National Association require US citizenship to open account?

Can Rabobank, National Association close my account?

Does Rabobank, National Association Report to credit bureaus?

Does Rabobank, National Association Use Equifax?

What is Rabobank, National Association's ACH Routing Number?

What is Rabobank, National Association's SWIFT code?

Products

Does Rabobank, National Association offer mortgages?

Compare mortgage rates here.

Does Rabobank, National Association offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Rabobank, National Association offer personal loans?

Compare personal loan rates here.

Does Rabobank, National Association offer student loans?

Will Rabobank, National Association cash a check?

Will Rabobank, National Association redeem a savings bond?

Does Rabobank, National Association cash savings bonds?

Will Rabobank, National Association cash money orders?

Can Rabobank, National Association issue a money order?

Does Rabobank, National Association do currency exchange?

Background on The Bank

Who owns Rabobank, National Association?

How long has Rabobank, National Association been around?

Can Rabobank, National Association transfer to other banks?

Does Rabobank, National Association have quick pay?

Does Rabobank, National Association accept rolled coins?

Will Rabobank, National Association accept loose change?

Where is Rabobank, National Association headquarters?

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