RBC Bank, (Georgia) National Association

Headquarters

3550 Lenox Road Ne
Atlanta, GA 30326
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
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

RBC Bank, (Georgia) National Association is an FDIC insured institution located in Atlanta, GA. It was founded in 1985 and has approximately $5.27 billion in assets.

FDIC Insured Yes
FDIC Certificate # 26342
Date Established 1985
Assets $ 5.27 billion
Loans $ 1,653.27 million
Deposits $ 4.69 billion
Capital $ 510.30 million
 

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

Deposit Rates - September 23, 2021

Your Current Location: California, CA 92111

 

Loan Rates - September 23, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for RBC Bank, (Georgia) National Association

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 2021

Lender APR Rate (%) Monthly
Payment
Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.826% 2.750%
1.00 points
$2,478 fees
$1,021 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
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Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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Note to RBC Bank, (Georgia) National Association
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Branches

RBC Bank, (Georgia) 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:
San Diego,California


RBC Bank, (Georgia) National Association Locations


Financial Details

RBC Bank, (Georgia) National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of RBC Bank, (Georgia) 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
RBC Bank, (Georgia) National Association U.S. Bank Average
2.19% 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, RBC Bank, (Georgia) National Association had $11,454,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $510,298,000 in equity and $13,607,000 in loans loss reserves. That gives it a Texas Ratio of 2.19%.

Return on Equity
RBC Bank, (Georgia) National Association U.S. Bank Average
6.89% 11.43%

RBC Bank, (Georgia) National Association has a Return on Equity of 6.89% 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
RBC Bank, (Georgia) National Association U.S. Bank Average
9.69% 11.51%

RBC Bank, (Georgia) National Association has a Capitalization of 9.69% 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.

RBC Bank, (Georgia) National Association Balance Sheet Analysis

As of March 31, 2021, RBC Bank, (Georgia) National Association had assets of $5,266,626,000, loans of $1,653,269,000, and deposits of $4,694,428,000. 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 $ 97.99 million
Interest-bearing balances $ 93.37 million
Total securities $ 3.44 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,653.27 million
Loan loss allowance $ 13.61 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 65.07 million
     Total Assets $ 4.76 billion
LIABILITIES
Total deposits $ 4.69 billion
      Interest-bearing deposits $ 3.56 billion
      Deposits held in domestic offices $ 4.69 billion
      % insured (estimated) 92.50%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 61.90 million
      Total Liabilities $ 4.76 billion
      Shareholders’ Equity $ 510.30 million

Summary Income Statement

March 31, 2021
INCOME AND EXPENSES
Total Interest Income $ 21.20 million
Total Interest Expense $ 2.77 million
Net interest income $ 18.43 million
Provision for loan and lease losses N.A.
Total non interest income $ 9.26 million
Total non interest expense $ 17.85 million
Pre-tax Net Operating Income $ 10.56 million

Bank Loan Profile?

The top three loan types in RBC Bank, (Georgia) National Association’s loan portfolio are 1-4 Family Residential Loans, Credit Card Loans, and Construction and Development Loans.

Compared to other banks in Georgia, RBC Bank, (Georgia) National Association has a significantly higher percent of 1-4 Family Residential Loans, Credit Card 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 93.37
Multifamily
Mortgages
0.00
Credit Card Loans 6.71
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.03
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Rbc Bank, (georgia) National Association

Branches and Savings

Is Rbc Bank, (georgia) National Association FDIC insured?

Yes. It is covered under FDIC Certificate #26342.

Why does Rbc Bank, (georgia) 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 Rbc Bank, (georgia) National Association CD rates not competitive?

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

Is Rbc Bank, (georgia) National Association a commercial bank?

Yes

Where are Rbc Bank, (georgia) National Association locations?

See branch locations nearby.

Is Rbc Bank, (georgia) National Association open on Saturdays?

Is Rbc Bank, (georgia) National Association open on Sundays?

What time does Rbc Bank, (georgia) National Association open?

What time does Rbc Bank, (georgia) National Association close?

Are Rbc Bank, (georgia) National Association ATMs Open 24/7?

Do Rbc Bank, (georgia) National Association ATMs accept cash deposits?

Can Rbc Bank, (georgia) National Association customers use other ATMs?

Do Rbc Bank, (georgia) National Association branches have notaries?

Will Rbc Bank, (georgia) National Association notarize my document?

What address for Rbc Bank, (georgia) National Association should I put for incoming ACH transfers?

Will the Rbc Bank, (georgia) National Association branch print checks?

Do Rbc Bank, (georgia) National Association checks expire?

Does Rbc Bank, (georgia) National Association require US citizenship to open account?

Can Rbc Bank, (georgia) National Association close my account?

Does Rbc Bank, (georgia) National Association Report to credit bureaus?

Does Rbc Bank, (georgia) National Association Use Equifax?

What is Rbc Bank, (georgia) National Association's ACH Routing Number?

What is Rbc Bank, (georgia) National Association's SWIFT code?

Products

Does Rbc Bank, (georgia) National Association offer mortgages?

Compare mortgage rates here.

Does Rbc Bank, (georgia) National Association offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Rbc Bank, (georgia) National Association offer personal loans?

Compare personal loan rates here.

Does Rbc Bank, (georgia) National Association offer student loans?

Will Rbc Bank, (georgia) National Association cash a check?

Will Rbc Bank, (georgia) National Association redeem a savings bond?

Does Rbc Bank, (georgia) National Association cash savings bonds?

Will Rbc Bank, (georgia) National Association cash money orders?

Can Rbc Bank, (georgia) National Association issue a money order?

Does Rbc Bank, (georgia) National Association do currency exchange?

Background on The Bank

Who owns Rbc Bank, (georgia) National Association?

How long has Rbc Bank, (georgia) National Association been around?

Can Rbc Bank, (georgia) National Association transfer to other banks?

Does Rbc Bank, (georgia) National Association have quick pay?

Does Rbc Bank, (georgia) National Association accept rolled coins?

Will Rbc Bank, (georgia) National Association accept loose change?

Where is Rbc Bank, (georgia) National Association headquarters?

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