Sunwest Bank


2050 Main Street
Irvine, CA 92614
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.65% →
1-Year CD 0.10% 0.70% →
2-Year CD 0.15% 0.75% →
5-Year CD 0.25% 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

Sunwest Bank is an FDIC insured institution located in Irvine, CA. It was founded in 1970 and has approximately $1.91 billion in assets. Customers can open an account at one of its 12 branches.

FDIC Insured Yes
FDIC Certificate # 20164
Date Established 1970
Assets $ 1,914.86 million
Loans $ 1,624.88 million
Deposits $ 1,458.58 million
Capital $ 206.60 million

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

Deposit Rates - June 12, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
6 Mo CD
0.10% $10,000 $14,999 Learn More
6 Mo CD
0.10% $100,000 $199,999 Learn More
Special: 12 Mo CD
0.10% $500 $99,999 Learn More
12 Mo CD
0.10% $10,000 $14,999 Learn More
12 Mo CD
0.10% $100,000 $199,999 Learn More
18 Mo CD
0.15% $10,000 $14,999 Learn More
18 Mo CD
0.10% $100,000 $199,999 Learn More
Special: 24 Mo CD
0.15% $500 $99,999 Learn More
24 Mo CD
0.15% $10,000 $14,999 Learn More
24 Mo CD
0.15% $100,000 $199,999 Learn More
36 Mo CD
0.15% $10,000 $14,999 Learn More
36 Mo CD
0.15% $100,000 $199,999 Learn More
48 Mo CD
0.20% $10,000 $14,999 Learn More
48 Mo CD
0.20% $100,000 $199,999 Learn More
60 Mo CD
0.25% $10,000 $14,999 Learn More
60 Mo CD
0.25% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - June 12, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Sunwest 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 2021

Lender APR Rate (%) Monthly
Learn More
Beeline Loans, Inc.
NMLS ID: 1799947
2.758% 2.750%
0.13 points
$248 fees
$1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
3.339% 3.250%
0.63 points
$2,812 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
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
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.990 %
After Intro: 4.840 %
Intro Period: 12 months
$0 Learn More
More Info

Note to Sunwest Bank
To upload and update your bank's rates please register. It is free to register and add rates.


Sunwest Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Financial Details

Sunwest Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Sunwest 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
Sunwest Bank U.S. Bank Average
4.77% 5.49%

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, 2020, Sunwest Bank had $10,555,000 in non-current loans and $483,000 in owned real estate. To cover these potential losses it had $206,602,000 in equity and $24,609,000 in loans loss reserves. That gives it a Texas Ratio of 4.77%.

Return on Equity
Sunwest Bank U.S. Bank Average
11.78% 9.24%

Sunwest Bank has a Return on Equity of 11.78% versus the BestCashCow average of 9.24%. 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.

Sunwest Bank U.S. Bank Average
10.79% 11.96%

Sunwest Bank has a Capitalization of 10.79% versus the BestCashCow average of 11.96. 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.

Sunwest Bank Balance Sheet Analysis

As of December 31, 2020, Sunwest Bank had assets of $1,914,858,000, loans of $1,624,878,000, and deposits of $1,458,582,000. 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, 2020
Cash & Balances due from depository institutions $ 129.31 million
Interest-bearing balances $ 114.45 million
Total securities $ 82.92 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,624.88 million
Loan loss allowance $ 24.61 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.48 million
Goodwill and other intangibles $ 0.03 million
All other assets $ 69.81 million
     Total Assets $ 1,708.26 million
Total deposits $ 1,458.58 million
      Interest-bearing deposits $ 721.78 million
      Deposits held in domestic offices $ 1,458.58 million
      % insured (estimated) 38.93%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 234.00 million
Subordinated debt N.A.
All other liabilities $ 15.67 million
      Total Liabilities $ 1,708.26 million
      Shareholders’ Equity $ 206.60 million

Summary Income Statement

December 31, 2020
Total Interest Income $ 72.58 million
Total Interest Expense $ 5.98 million
Net interest income $ 66.59 million
Provision for loan and lease losses $ 2.71 million
Total non interest income $ 7.44 million
Total non interest expense $ 40.88 million
Pre-tax Net Operating Income $ 30.44 million

Bank Loan Profile?

The top three loan types in Sunwest Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Small Business Loans.

Compared to other banks in California, Sunwest Bank has a significantly higher percent of Commercial and Industrial 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 3.48
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 5.43
Construction and Development Loans 4.32
Commercial Real Estate 50.67
Commercial and Industrial Loans 38.45
Farm Loans 0.00

Frequently Asked Questions About Sunwest Bank

Branches and Savings

Is Sunwest Bank FDIC insured?

Yes. It is covered under FDIC Certificate #20164.

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

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

Why are Sunwest Bank CD rates not competitive?

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

Is Sunwest Bank a commercial bank?


Where are Sunwest Bank locations?

See branch locations nearby.

Is Sunwest Bank open on Saturdays?

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Are Sunwest Bank ATMs Open 24/7?

Do Sunwest Bank ATMs accept cash deposits?

Can Sunwest Bank customers use other ATMs?

Do Sunwest Bank branches have notaries?

Will Sunwest Bank notarize my document?

What address for Sunwest Bank should I put for incoming ACH transfers?

Will the Sunwest Bank branch print checks?

Do Sunwest Bank checks expire?

Does Sunwest Bank require US citizenship to open account?

Can Sunwest Bank close my account?

Does Sunwest Bank Report to credit bureaus?

Does Sunwest Bank Use Equifax?

What is Sunwest Bank's ACH Routing Number?

What is Sunwest Bank's SWIFT code?


Does Sunwest Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Sunwest Bank offer personal loans?

Compare personal loan rates here.

Does Sunwest Bank offer student loans?

Will Sunwest Bank cash a check?

Will Sunwest Bank redeem a savings bond?

Does Sunwest Bank cash savings bonds?

Will Sunwest Bank cash money orders?

Can Sunwest Bank issue a money order?

Does Sunwest Bank do currency exchange?

Background on The Bank

Who owns Sunwest Bank?

How long has Sunwest Bank been around?

Can Sunwest Bank transfer to other banks?

Does Sunwest Bank have quick pay?

Does Sunwest Bank accept rolled coins?

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Where is Sunwest Bank headquarters?

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