1125 East Bay Drive
Largo, FL 33770


General Bank Information

FDIC Insured Yes
FDIC Certificate # 58427
Date Established 2007
Assets $3.26 billion
Loans $2.57 billion
Deposits $2.73 billion
Capital $0.29 billion

USAmeriBank is an FDIC insured institution located in Largo, FL. It was founded in 2007 and has approximately $3.45 billion in assets. Customers can open an account via one of its 29 branches.

For a more detailed analysis of USAmeriBank'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 USAmeriBank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks, USAmeriBank’s loan portfolio does not show any specific loan specialty.

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 16.45
Credit Card Loans 0.00
Consumer Auto Loans 0.02
Small Business Loans 10.14
Construction and Development Loans 8.27
Commercial Real Estate 50.52
Commercial and Industrial Loans 17.59
Farm Loans 0.00

Savings Rates

Your Current Location: New York, NY 10007

03MCD10K 0.05% $5,000 $24,999 Learn MoreShow Less
3 Mo CD 100K 0.25% $100,000 $249,999 Learn MoreShow Less
06MCD10K 0.30% $5,000 $24,999 Learn MoreShow Less
6 Mo CD 100K 0.50% $100,000 $249,999 Learn MoreShow Less
12MCD10K 0.40% $5,000 $24,999 Learn MoreShow Less
12MCD100K 0.60% $100,000 $249,999 Learn MoreShow Less
18MCD10K 0.45% $5,000 $24,999 Learn MoreShow Less
18MCD100K 0.65% $100,000 $249,999 Learn MoreShow Less
24MCD10K 0.55% $5,000 $24,999 Learn MoreShow Less
24MCD100K 0.75% $100,000 $249,999 Learn MoreShow Less
30MCD10K 0.65% $5,000 $24,999 Learn MoreShow Less
30MCD100K 0.85% $100,000 $249,999 Learn MoreShow Less
36MCD10K 0.70% $5,000 $24,999 Learn MoreShow Less
36 Mo CD 100K 0.90% $100,000 $249,999 Learn MoreShow Less
48MCD10K 0.90% $5,000 $24,999 Learn MoreShow Less
48 Mo CD 100K 1.10% $100,000 $249,999 Learn MoreShow Less
60MCD10K 1.10% $5,000 $24,999 Learn MoreShow Less
60 Mo CD 100K 1.30% $100,000 $249,999 Learn MoreShow Less
Savings Rates APY MIN MAX
SAV2.5K 0.05% $1 $4,999 Learn MoreShow Less
FIXIRA0K 0.15% $1,000 $4,999 Learn MoreShow Less
MM2.5K 0.05% $1 $4,999 Learn MoreShow Less
MM10K 0.20% $5,000 $24,999 Learn MoreShow Less
MM25K 0.35% $25,000 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
INTCK2.5K 0.05% $1 $4,999 Learn MoreShow Less

Loan Rates

Your Current Location: New York, NY 10007

BestCashCow tracks mortgage, home equity, and auto loan rates. In the future, we will be adding other loan products. Please contact the lender for questions about their loan products.

There are currently no rates available for USAmeriBank

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USAmeriBank 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:
New York,New York

Usameribank Locations

Financial Details

USAmeriBank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of USAmeriBank. The data is provided by the FDIC. Please remember that all banks listed on are FDIC insured while all credit unions are similarly insured by the NCUA. No depositor has ever lost money while their funds have been insured by the FDIC or NCUA.

Texas Ratio
USAmeriBank U.S. Bank Average
9.93% 8.56%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2015, USAmeriBank had $18,068,000 in non-current loans and $13,612,000 in owned real estate. To cover these potential losses it had $291,808,000 in equity and $27,218,000 in loans loss reserves. That gives it a Texas Ratio of 9.93%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
USAmeriBank U.S. Bank Average
10.67% 9.74%

USAmeriBank has a Return on Equity of 10.67% versus the BestCashCow average of 9.74%. 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.

USAmeriBank U.S. Bank Average
8.95% 11.23%

USAmeriBank has a Capitalization of 8.95% versus the BestCashCow average of 11.23%. 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.

USAmeriBank Balance Sheet Analysis

As of March 31, 2015, USAmeriBank had assets of $3,446,611,000, loans of $2,574,171,000, and deposits of $2,733,508,000. 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.

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