Western Alliance Bank


1 E Washington St
Phoenix, AZ 85004
See all branch locations →

Phone 602 389 3500

Notable Rates APY Vs.Others
Savings 0.08% 1.40% →
1-Year CD 0.80% 1.15% →
2-Year CD 1.00% 1.26% →
5-Year CD 1.00% 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Western Alliance Bank is an FDIC insured institution located in Phoenix, AZ. It was founded in 2003 and has approximately $26.86 billion in assets. Customers can open an account at one of its 43 branches.

FDIC Insured Yes
FDIC Certificate # 57512
Date Established 2003
Assets $ 26.86 billion
Loans $ 20.96 billion
Deposits $ 23.09 billion
Capital $ 3.02 billion

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

Deposit Rates - July 2, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.08% $1 - Learn More
Money Market
0.15% $1 $9,999 Learn More
Money Market
0.20% $10,000 $99,999 Learn More
0.35% $1 $99,999 Learn More
3 Mo CD
0.40% $100,000 - Learn More
0.55% $1 $99,999 Learn More
6 Mo CD
0.60% $100,000 - Learn More
Special: 7 Mo CD
1.61% $10,000 - Learn More
0.75% $1 $99,999 Learn More
12 Mo CD
0.80% $100,000 - Learn More
Special: 13 Mo CD
1.51% $10,000 - Learn More
18 Mo CD
1.00% $1 $99,999 Learn More
18 Mo CD
1.00% $100,000 - Learn More
1.00% $1 $99,999 Learn More
24 Mo CD
1.00% $100,000 - Learn More
1.00% $1 $99,999 Learn More
36 Mo CD
1.00% $100,000 - Learn More
1.00% $1 $99,999 Learn More
48 Mo CD
1.00% $100,000 - Learn More
1.00% $1 $99,999 Learn More
60 Mo CD
1.00% $100,000 - Learn More

0.75% $1 $99,999 Learn MoreShow Less
Special: 7 Mo FIRA
1.61% $10,000 - Learn MoreShow Less
Special: 13 Mo FIRA
1.51% $10,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.10% $50 $1,500 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.08% $1 $9,999 Learn MoreShow Less

Loan Rates - July 2, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Western Alliance 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

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
NMLS ID: 2890
License#: 13256
3.039% 3.000% 0.50 $1,250 $1,055 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

Note to Western Alliance Bank
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Financial Details

Western Alliance Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Western Alliance 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
Western Alliance Bank U.S. Bank Average
2.18% 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, Western Alliance Bank had $55,733,000 in non-current loans and $13,850,000 in owned real estate. To cover these potential losses it had $3,021,661,000 in equity and $167,797,000 in loans loss reserves. That gives it a Texas Ratio of 2.18%.

Return on Equity
Western Alliance Bank U.S. Bank Average
17.9% 9.41%

Western Alliance Bank has a Return on Equity of 17.9% 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.

Western Alliance Bank U.S. Bank Average
11.25% 12.82%

Western Alliance Bank has a Capitalization of 11.25% 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.

Western Alliance Bank Balance Sheet Analysis

As of December 31, 2019, Western Alliance Bank had assets of $26,862,673,000, loans of $20,955,499,000, and deposits of $23,086,013,000. 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
Cash & Balances due from depository institutions $ 434.53 million
Interest-bearing balances $ 248.55 million
Total securities $ 3.91 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 20.96 billion
Loan loss allowance $ 167.80 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 13.85 million
Goodwill and other intangibles $ 297.85 million
All other assets $ 1,058.30 million
     Total Assets $ 23.84 billion
Total deposits $ 23.09 billion
      Interest-bearing deposits $ 14.47 billion
      Deposits held in domestic offices $ 23.09 billion
      % insured (estimated) 39.26%
Federal funds purchased and repurchase agreements $ 16.68 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt $ 151.56 million
All other liabilities $ 586.76 million
      Total Liabilities $ 23.84 billion
      Shareholders’ Equity $ 3.02 billion

Summary Income Statement

December 31, 2019
Total Interest Income $ 1,222.06 million
Total Interest Expense $ 170.08 million
Net interest income $ 1,051.98 million
Provision for loan and lease losses $ 18.50 million
Total non interest income $ 50.92 million
Total non interest expense $ 483.81 million
Pre-tax Net Operating Income $ 600.59 million

Bank Loan Profile?

The top three loan types in Western Alliance Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks, Western Alliance Bank’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 10.25
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 2.23
Construction and Development Loans 9.09
Commercial Real Estate 33.65
Commercial and Industrial Loans 24.92
Farm Loans 0.00

Frequently Asked Questions About Western Alliance Bank

Branches and Savings

Is Western Alliance Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57512.

Why does Western Alliance Bank pay such low interest on savings accounts?

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

Why are Western Alliance Bank CD rates not competitive?

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

Is Western Alliance Bank a commercial bank?


Where are Western Alliance Bank locations?

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Is Western Alliance Bank open on Saturdays?

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Will the Western Alliance Bank branch print checks?

Do Western Alliance Bank checks expire?

Does Western Alliance Bank require US citizenship to open account?

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Does Western Alliance Bank offer mortgages?

Compare mortgage rates here.

Does Western Alliance Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Western Alliance Bank offer personal loans?

Compare personal loan rates here.

Does Western Alliance Bank offer student loans?

Will Western Alliance Bank cash a check?

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Does Western Alliance Bank cash savings bonds?

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Background on The Bank

Who owns Western Alliance Bank?

How long has Western Alliance Bank been around?

Can Western Alliance Bank transfer to other banks?

Does Western Alliance Bank have quick pay?

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