TransCapital Bank

8850 W Oakland Park Blvd
Sunrise, FL 33351

Notable Rates APY Vs.Others
Savings N.A. 2.20% →
1-Year CD N.A. 2.20% →
2-Year CD N.A. 2.20% →
5-Year CD N.A. 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

TransCapital Bank is an FDIC insured institution located in Sunrise, FL. It was founded in 1999 and has approximately $0.21 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 35050
Date Established 1999
Assets $0.21 billion
Loans $0.16 billion
Deposits $0.16 billion
Capital $0.04 billion

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

Deposit Rates - February 17, 2020

Your Current Location: Connecticut, CT 06828

There are currently no rates available for Transcapital Bank, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - February 17, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for TransCapital Bank

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

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Quicken Loans NMLS #3030
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More
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License#: 13256
3.378% 3.375% 0.00 $92 $1,106 Learn More
Rocket Mortgage
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

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Eastern Bank
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4.250 %
$25,000 Learn More
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Figure Home Equity Line
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0.000 %
$0 Learn More
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5.000 %
$0 Learn More
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Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
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Note to TransCapital Bank
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Financial Details

TransCapital Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of TransCapital 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
TransCapital Bank U.S. Bank Average
2.46% 6.70%

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 September 30, 2019, TransCapital Bank had $381,000 in non-current loans and $613,000 in owned real estate. To cover these potential losses it had $38,902,000 in equity and $1,564,000 in loans loss reserves. That gives it a Texas Ratio of 2.46%.

Return on Equity
TransCapital Bank U.S. Bank Average
13.05% 9.72%

TransCapital Bank has a Return on Equity of 13.05% versus the BestCashCow average of 9.72%. 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.

TransCapital Bank U.S. Bank Average
18.66% 12.89%

TransCapital Bank has a Capitalization of 18.66% versus the BestCashCow average of 12.89. 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.

TransCapital Bank Balance Sheet Analysis

As of September 30, 2019, TransCapital Bank had assets of $208,456,000, loans of $161,445,000, and deposits of $163,317,000. 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

September 30, 2019
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.03 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.16 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 $0.17 billion
Total deposits $0.16 billion
      Interest-bearing deposits $0.15 billion
      Deposits held in domestic offices $0.16 billion
      % insured (estimated) 93.72%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.17 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 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

Bank Loan Profile?

The top three loan types in TransCapital Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.

Compared to other banks in Florida, TransCapital Bank has a significantly higher percent of Construction and Development 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 23.97
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 14.29
Commercial Real Estate 56.10
Commercial and Industrial Loans 0.11
Farm Loans 0.00

Frequently Asked Questions About Transcapital Bank

Branches and Savings

Is Transcapital Bank FDIC insured?

Yes. It is covered under FDIC Certificate #35050.

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

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

Why are Transcapital Bank CD rates not competitive?

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

Is Transcapital Bank a commercial bank?


Where are Transcapital Bank locations?

See branch locations nearby.

Is Transcapital Bank open on Saturdays?

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Does Transcapital Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Transcapital Bank offer personal loans?

Compare personal loan rates here.

Does Transcapital Bank offer student loans?

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Background on The Bank

Who owns Transcapital Bank?

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