West Valley National Bank

2440 North Litchfield Road
Goodyear, AZ 85395

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58426
Date Established 2006
Assets $0.06 billion
Loans $0.04 billion
Deposits $0.06 billion
Capital $0.01 billion

West Valley National Bank is an FDIC insured institution located in Goodyear, AZ. It was founded in 2006 and has approximately $0.06 billion in assets. Customers can open an account at one of its 4 branches.

For a more detailed analysis of West Valley National 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 West Valley National Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and Commercial and Industrial Loans.

Compared to other banks in Arizona, West Valley National Bank has a significantly higher percent of Small Business Loans, 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 7.14
Multifamily
Mortgages
2.50
Credit Card Loans 0.00
Consumer Auto Loans 0.01
Small Business Loans 47.86
Construction and Development Loans 2.85
Commercial Real Estate 55.53
Commercial and Industrial Loans 33.18
Farm Loans 0.00

Deposit Rates - November 12, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.24% $5,000 $24,999 Learn MoreShow Less
Money Market
0.49% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.25% $5,000 - Learn MoreShow Less

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,000 $49,999 Learn MoreShow Less

Loan Rates - November 12, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for West Valley National 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 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Triumph Bank
NMLS ID: 1339905
4.625% 4.625% 0.00 $0 $1,286 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings and Loans 4.24% $246 Learn More
Flagstar Bank 5.49% $284 Learn More

Note to West Valley National Bank
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Branches

West Valley National 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


West Valley National Bank Locations

Financial Details

West Valley National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of West Valley National 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
West Valley National Bank U.S. Bank Average
0.31% 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, West Valley National Bank had $18,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $5,262,000 in equity and $576,000 in loans loss reserves. That gives it a Texas Ratio of 0.31%.

Return on Equity
West Valley National Bank U.S. Bank Average
-17.6% 9.77%

West Valley National Bank has a Return on Equity of -17.6% 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
West Valley National Bank U.S. Bank Average
8.7% 12.31%

West Valley National Bank has a Capitalization of 8.7% 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.

West Valley National Bank Balance Sheet Analysis

As of June 30, 2018, West Valley National Bank had assets of $60,452,000, loans of $40,937,000, and deposits of $55,070,000. 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 $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.04 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 $0.00 billion
     Total Assets $0.06 billion
LIABILITIES
Total deposits $0.06 billion
      Interest-bearing deposits $0.02 billion
      Deposits held in domestic offices $0.06 billion
      % insured (estimated) 64.37%
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 $0.06 billion
      Shareholders’ Equity $0.01 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 West Valley National Bank

Branches and Savings

Is West Valley National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58426.

Why does West Valley National Bank pay such low interest on savings accounts?

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

Why are West Valley National Bank CD rates not competitive?

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

Is West Valley National Bank a commercial bank?

Yes

Where are West Valley National Bank locations?

See branch locations nearby.

Is West Valley National Bank open on Saturdays?

Is West Valley National Bank open on Sundays?

What time does West Valley National Bank open?

What time does West Valley National Bank close?

Are West Valley National Bank ATMs Open 24/7?

Do West Valley National Bank ATMs accept cash deposits?

Can West Valley National Bank customers use other ATMs?

Do West Valley National Bank branches have notaries?

Will West Valley National Bank notarize my document?

What address for West Valley National Bank should I put for incoming ACH transfers?

Will the West Valley National Bank branch print checks?

Do West Valley National Bank checks expire?

Does West Valley National Bank require US citizenship to open account?

Can West Valley National Bank close my account?

Does West Valley National Bank Report to credit bureaus?

Does West Valley National Bank Use Equifax?

What is West Valley National Bank's ACH Routing Number?

What is West Valley National Bank's SWIFT code?

Products

Does West Valley National Bank offer mortgages?

Compare mortgage rates here.

Does West Valley National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does West Valley National Bank offer personal loans?

Compare personal loan rates here.

Does West Valley National Bank offer student loans?

Will West Valley National Bank cash a check?

Will West Valley National Bank redeem a savings bond?

Does West Valley National Bank cash savings bonds?

Will West Valley National Bank cash money orders?

Can West Valley National Bank issue a money order?

Does West Valley National Bank do currency exchange?

Background on The Bank

Who owns West Valley National Bank?

How long has West Valley National Bank been around?

Can West Valley National Bank transfer to other banks?

Does West Valley National Bank have quick pay?

Does West Valley National Bank accept rolled coins?

Will West Valley National Bank accept loose change?

Where is West Valley National Bank headquarters?

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