Tustin Community Bank

Headquarters

13891 Newport Avenue, Suites 100 & 130
Tustin, CA 92780
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.60% →
1-Year CD 0.85% 1.55% →
2-Year CD 0.90% 1.45% →
5-Year CD 1.10% 1.66% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Tustin Community Bank is an FDIC insured institution located in Tustin, CA. It was founded in 1981 and has approximately $0.07 billion in assets.

FDIC Insured Yes
FDIC Certificate # 32908
Date Established 1981
Assets $ 74.54 million
Loans $ 55.80 million
Deposits $ 60.40 million
Capital $ 10.87 million
 

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

Deposit Rates - June 3, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $2,000 $9,999 Learn More
Money Market
0.10% $2,000 $9,999 Learn More
Money Market
0.25% $10,000 $49,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.55% $2,500 - Learn More
6 Mo CD
0.70% $2,500 - Learn More
12 Mo CD
0.85% $2,500 - Learn More
18 Mo CD
0.85% $2,500 - Learn More
24 Mo CD
0.90% $2,500 - Learn More
36 Mo CD
1.00% $2,500 - Learn More
48 Mo CD
1.05% $2,500 - Learn More
60 Mo CD
1.10% $2,500 - Learn More

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.85% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $1,999 Learn MoreShow Less
Int Ckg
0.10% $2,000 $9,999 Learn MoreShow Less

Loan Rates - June 3, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Tustin Community 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

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.019% 3.000% 0.25 $625 $1,055 Learn More

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

Branches

Tustin Community 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:
Fairfield,Connecticut


Tustin Community Bank Locations


Financial Details

Tustin Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Tustin Community 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
Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Tustin Community Bank U.S. Bank Average
0.26% 6.51%

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, 2019, Tustin Community Bank had $34,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $10,869,000 in equity and $2,170,000 in loans loss reserves. That gives it a Texas Ratio of 0.26%.

Return on Equity
Tustin Community Bank U.S. Bank Average
6.54% 9.41%

Tustin Community Bank has a Return on Equity of 6.54% versus the BestCashCow average of 9.41%. 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
Tustin Community Bank U.S. Bank Average
14.58% 12.82%

Tustin Community Bank has a Capitalization of 14.58% versus the BestCashCow average of 12.82. 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.

Tustin Community Bank Balance Sheet Analysis

As of December 31, 2019, Tustin Community Bank had assets of $74,536,000, loans of $55,802,000, and deposits of $60,403,000. 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, 2019
ASSETS
Cash & Balances due from depository institutions $ 7.69 million
Interest-bearing balances $ 5.68 million
Total securities N.A.
Federal funds sold and reverse repurchase $ 4.58 million
Net loans and leases $ 55.80 million
Loan loss allowance $ 2.17 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 $ 0.71 million
     Total Assets $ 63.67 million
LIABILITIES
Total deposits $ 60.40 million
      Interest-bearing deposits $ 52.15 million
      Deposits held in domestic offices $ 60.40 million
      % insured (estimated) 84.30%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 2.84 million
Subordinated debt N.A.
All other liabilities $ 0.42 million
      Total Liabilities $ 63.67 million
      Shareholders’ Equity $ 10.87 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 5.29 million
Total Interest Expense $ 1.01 million
Net interest income $ 4.28 million
Provision for loan and lease losses $ 0.49 million
Total non interest income $ 0.33 million
Total non interest expense $ 3.39 million
Pre-tax Net Operating Income $ 0.73 million

Bank Loan Profile?

The top three loan types in Tustin Community Bank’s loan portfolio are Consumer Auto Loans, Commercial Real Estate, and Multifamily Mortgages.

Compared to other banks in California, Tustin Community Bank has a significantly higher percent of Consumer Auto 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 7.97
Multifamily
Mortgages
12.91
Credit Card Loans 0.00
Consumer Auto Loans 58.46
Small Business Loans 11.32
Construction and Development Loans 0.73
Commercial Real Estate 17.64
Commercial and Industrial Loans 4.60
Farm Loans 0.00

Frequently Asked Questions About Tustin Community Bank

Branches and Savings

Is Tustin Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #32908.

Why does Tustin Community Bank pay such low interest on savings accounts?

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

Why are Tustin Community Bank CD rates not competitive?

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

Is Tustin Community Bank a commercial bank?

Yes

Where are Tustin Community Bank locations?

See branch locations nearby.

Is Tustin Community Bank open on Saturdays?

Is Tustin Community Bank open on Sundays?

What time does Tustin Community Bank open?

What time does Tustin Community Bank close?

Are Tustin Community Bank ATMs Open 24/7?

Do Tustin Community Bank ATMs accept cash deposits?

Can Tustin Community Bank customers use other ATMs?

Do Tustin Community Bank branches have notaries?

Will Tustin Community Bank notarize my document?

What address for Tustin Community Bank should I put for incoming ACH transfers?

Will the Tustin Community Bank branch print checks?

Do Tustin Community Bank checks expire?

Does Tustin Community Bank require US citizenship to open account?

Can Tustin Community Bank close my account?

Does Tustin Community Bank Report to credit bureaus?

Does Tustin Community Bank Use Equifax?

What is Tustin Community Bank's ACH Routing Number?

What is Tustin Community Bank's SWIFT code?

Products

Does Tustin Community Bank offer mortgages?

Compare mortgage rates here.

Does Tustin Community Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Tustin Community Bank offer personal loans?

Compare personal loan rates here.

Does Tustin Community Bank offer student loans?

Will Tustin Community Bank cash a check?

Will Tustin Community Bank redeem a savings bond?

Does Tustin Community Bank cash savings bonds?

Will Tustin Community Bank cash money orders?

Can Tustin Community Bank issue a money order?

Does Tustin Community Bank do currency exchange?

Background on The Bank

Who owns Tustin Community Bank?

How long has Tustin Community Bank been around?

Can Tustin Community Bank transfer to other banks?

Does Tustin Community Bank have quick pay?

Does Tustin Community Bank accept rolled coins?

Will Tustin Community Bank accept loose change?

Where is Tustin Community Bank headquarters?

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