San Luis Valley Federal Bank

401 Edison Avenue
Alamosa, CO 81101

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 28208
Date Established 1899
Assets $0.27 billion
Loans $0.17 billion
Deposits $0.22 billion
Capital $0.04 billion

San Luis Valley Federal Bank is an FDIC insured institution located in Alamosa, CO. It was founded in 1899 and has approximately $0.27 billion in assets. Customers can open an account at one of its 3 branches.

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

Compared to other banks in Colorado, San Luis Valley Federal Bank has a significantly higher percent of 1-4 Family Residential 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 68.59
Multifamily
Mortgages
2.73
Credit Card Loans 0.00
Consumer Auto Loans 1.30
Small Business Loans 7.56
Construction and Development Loans 3.02
Commercial Real Estate 18.51
Commercial and Industrial Loans 2.68
Farm Loans 0.00

Deposit Rates - December 19, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.28% $1,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
0.91% $1,000 $49,999 Learn MoreShow Less
6 Mo CD
1.01% $100,000 - Learn MoreShow Less
1.11% $1,000 $49,999 Learn MoreShow Less
12 Mo CD
1.21% $100,000 - Learn MoreShow Less
1.31% $1,000 $49,999 Learn MoreShow Less
24 Mo CD
1.51% $100,000 - Learn MoreShow Less
1.77% $1,000 $49,999 Learn MoreShow Less
36 Mo CD
1.97% $100,000 - Learn MoreShow Less
1.97% $1,000 $49,999 Learn MoreShow Less
60 Mo CD
2.17% $100,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
1.11% $1,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.08% $1 - Learn MoreShow Less

Loan Rates - December 19, 2018

Your Current Location: Virginia, VA 20146

Auto Loan Rates APR Rate Monthly Payment
5 Year 4.01% 3.81% $458.27
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

San Luis Valley Federal 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


San Luis Valley Federal Bank Locations

Financial Details

San Luis Valley Federal Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of San Luis Valley Federal 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
San Luis Valley Federal Bank U.S. Bank Average
7.3% 7.92%

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 June 30, 2018, San Luis Valley Federal Bank had $1,746,000 in non-current loans and $1,523,000 in owned real estate. To cover these potential losses it had $43,219,000 in equity and $1,572,000 in loans loss reserves. That gives it a Texas Ratio of 7.3%.

Return on Equity
San Luis Valley Federal Bank U.S. Bank Average
5.36% 9.77%

San Luis Valley Federal Bank has a Return on Equity of 5.36% versus the BestCashCow average of 9.77%. 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
San Luis Valley Federal Bank U.S. Bank Average
16.23% 12.31%

San Luis Valley Federal Bank has a Capitalization of 16.23% versus the BestCashCow average of 12.31. 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.

San Luis Valley Federal Bank Balance Sheet Analysis

As of June 30, 2018, San Luis Valley Federal Bank had assets of $266,370,000, loans of $172,334,000, and deposits of $220,733,000. 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

June 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.06 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.17 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 $0.01 billion
     Total Assets $0.22 billion
LIABILITIES
Total deposits $0.22 billion
      Interest-bearing deposits $0.19 billion
      Deposits held in domestic offices $0.22 billion
      % insured (estimated) 88.10%
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 $0.22 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

June 30, 2018
INCOME AND EXPENSES
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

Frequently Asked Questions About San Luis Valley Federal Bank

Branches and Savings

Is San Luis Valley Federal Bank FDIC insured?

Yes. It is covered under FDIC Certificate #28208.

Why does San Luis Valley Federal Bank pay such low interest on savings accounts?

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

Why are San Luis Valley Federal Bank CD rates not competitive?

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

Is San Luis Valley Federal Bank a commercial bank?

Yes

Where are San Luis Valley Federal Bank locations?

See branch locations nearby.

Is San Luis Valley Federal Bank open on Saturdays?

Is San Luis Valley Federal Bank open on Sundays?

What time does San Luis Valley Federal Bank open?

What time does San Luis Valley Federal Bank close?

Are San Luis Valley Federal Bank ATMs Open 24/7?

Do San Luis Valley Federal Bank ATMs accept cash deposits?

Can San Luis Valley Federal Bank customers use other ATMs?

Do San Luis Valley Federal Bank branches have notaries?

Will San Luis Valley Federal Bank notarize my document?

What address for San Luis Valley Federal Bank should I put for incoming ACH transfers?

Will the San Luis Valley Federal Bank branch print checks?

Do San Luis Valley Federal Bank checks expire?

Does San Luis Valley Federal Bank require US citizenship to open account?

Can San Luis Valley Federal Bank close my account?

Does San Luis Valley Federal Bank Report to credit bureaus?

Does San Luis Valley Federal Bank Use Equifax?

What is San Luis Valley Federal Bank's ACH Routing Number?

What is San Luis Valley Federal Bank's SWIFT code?

Products

Does San Luis Valley Federal Bank offer mortgages?

Compare mortgage rates here.

Does San Luis Valley Federal Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does San Luis Valley Federal Bank offer personal loans?

Compare personal loan rates here.

Does San Luis Valley Federal Bank offer student loans?

Will San Luis Valley Federal Bank cash a check?

Will San Luis Valley Federal Bank redeem a savings bond?

Does San Luis Valley Federal Bank cash savings bonds?

Will San Luis Valley Federal Bank cash money orders?

Can San Luis Valley Federal Bank issue a money order?

Does San Luis Valley Federal Bank do currency exchange?

Background on The Bank

Who owns San Luis Valley Federal Bank?

How long has San Luis Valley Federal Bank been around?

Can San Luis Valley Federal Bank transfer to other banks?

Does San Luis Valley Federal Bank have quick pay?

Does San Luis Valley Federal Bank accept rolled coins?

Will San Luis Valley Federal Bank accept loose change?

Where is San Luis Valley Federal Bank headquarters?

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*All images, logos and public notes on this page appear courtesy of San Luis Valley Federal Bank and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.