1801 Main Street
Houston, TX 77002
800-287-0301
www.amegybank.com



Amegy Bank is headquartered in Houston and is the 5th largest bank in the state of Texas. It is also the 98th largest bank in the nation. It was established in 1982 and as of September of 2011, it had grown to 1,631 employees at 96 locations. Amegy Bank has a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Amegy Bank Checking Account Rates

ApyMinMaxProduct
0.75%-$25kSmart Yield Checking
0.35%$100k-Amegy Platinum Checking
0.25%--Iolta Checking
0.15%$5k-Mylife Checking
0.05%--Free Checking With Interest
0.05%--Interest Checking
0.05%--Business Interest Checking

Amegy Bank Savings Account Rates

ApyMinMaxProduct
0.30%--Young Savers
0.20%$100k-High Yield Internet Savings
0.15%--Personal Savings
0.15%--Business Savings

Amegy Bank Money Market Rates

ApyMinMaxProduct
0.30%$100k-Relationship Money Market
0.25%$750k-Personal Money Market Plus
0.20%$100k-Personal Money Market
0.20%$500k-Business Money Market
0.20%$100k-Personal Internet Money Market

Amegy Bank CD Rates

ApyMinMaxProduct
0.50%$1k-5 Year Jumbo Personal CD
0.50%$1k-5 Year Personal CD
0.50%$1k-5 Year Business CD
0.50%$1k-5 Year Jumbo Business CD
0.40%$1k-3 Year Jumbo Personal CD
0.40%$1k-3 Year Personal CD
0.40%$1k-3 Year Business CD
0.40%$1k-3 Year Jumbo Business CD
0.35%$1k-30 Month Jumbo Personal CD
0.35%$1k-30 Month Personal CD
0.35%$1k-30 Month Business CD
0.35%$1k-30 Month Jumbo Business CD
0.20%$1k-2 Year Jumbo Personal CD
0.20%$1k-2 Year Personal CD
0.20%$1k-2 Year Business CD
0.20%$1k-2 Year Jumbo Business CD
0.10%$100k-180 Day Jumbo Personal Internet CD
0.10%$100k-1 Year Jumbo Personal Internet CD
0.10%$1k-180 Day Jumbo Personal CD
0.10%$1k-330 Day Jumbo Personal CD
0.10%$1k-1 Year Jumbo Personal CD
0.10%$1k-18 Month Jumbo Personal CD
0.10%$1k-180 Day Personal CD
0.10%$1k-330 Day Personal CD
0.10%$1k-1 Year Personal CD
0.10%$1k-18 Month Personal CD
0.10%$10k-180 Day Personal Internet CD
0.10%$10k-1 Year Personal Internet CD
0.10%$1k-180 Day Business CD
0.10%$1k-330 Day Business CD
0.10%$1k-1 Year Business CD
0.10%$1k-18 Month Business CD
0.10%$1k-1 Year Jumbo Business CD
0.10%$1k-18 Month Jumbo Business CD
0.10%$1k-180 Day Jumbo Business CD
0.10%$1k-330 Day Jumbo Business CD
0.05%$100k-90 Day Jumbo Personal Internet CD
0.05%$1k-30 Day Jumbo Personal CD
0.05%$1k-60 Day Jumbo Personal CD
0.05%$1k-90 Day Jumbo Personal CD
0.05%$1k-30 Day Personal CD
0.05%$1k-60 Day Personal CD
0.05%$1k-90 Day Personal CD
0.05%$10k-90 Day Personal Internet CD
0.05%$1k-30 Day Business CD
0.05%$1k-60 Day Business CD
0.05%$1k-90 Day Business CD
0.05%$1k-30 Day Jumbo Business CD
0.05%$1k-60 Day Jumbo Business CD
0.05%$1k-90 Day Jumbo Business CD

Amegy Bank IRA Rates

ApyMinMaxProduct
0.50%$250-5 Year IRA
0.50%$250-5 Year Jumbo IRA
0.50%$250-5 Year Roth IRA
0.50%$250-5 Year Jumbo Roth IRA
0.40%$250-3 Year IRA
0.40%$250-3 Year Jumbo IRA
0.40%$250-3 Year Roth IRA
0.40%$250-3 Year Jumbo Roth IRA
0.35%$250-30 Month IRA
0.35%$250-30 Month Jumbo IRA
0.35%$250-30 Month Roth IRA
0.35%$250-30 Month Jumbo Roth IRA
0.20%$250-2 Year IRA
0.20%$250-2 Year Jumbo IRA
0.20%$250-2 Year Roth IRA
0.20%$250-2 Year Jumbo Roth IRA
0.10%$250-180 Day IRA
0.10%$250-330 Day IRA
0.10%$250-1 Year IRA
0.10%$250-18 Month IRA
0.10%$250-180 Day Jumbo IRA
0.10%$250-330 Day Jumbo IRA
0.10%$250-1 Year Jumbo IRA
0.10%$250-18 Month Jumbo IRA
0.10%$250-180 Day Roth IRA
0.10%$250-180 Day Jumbo Roth IRA
0.10%$250-330 Day Roth IRA
0.10%$250-330 Day Jumbo Roth IRA
0.10%$250-1 Year Roth IRA
0.10%$250-1 Year Jumbo Roth IRA
0.10%$250-18 Month Roth IRA
0.10%$250-18 Month Jumbo Roth IRA
0.05%$250-30 Day IRA
0.05%$250-60 Day IRA
0.05%$250-90 Day IRA
0.05%$250-30 Day Jumbo IRA
0.05%$250-60 Day Jumbo IRA
0.05%$250-90 Day Jumbo IRA
0.05%$250-30 Day Roth IRA
0.05%$250-30 Day Jumbo Roth IRA
0.05%$250-60 Day Roth IRA
0.05%$250-60 Day Jumbo Roth IRA
0.05%$250-90 Day Roth IRA
0.05%$250-90 Day Jumbo Roth IRA

Rates updated: 2/8/2012

Data for Q3 2011


Institution Statistics


Amegy Bank National Association
FDIC Certificate #24107
BankRate ReportView
Year Established1982
Employees1631
Primary RegulatorOCC

Assets and Liabilities

Assets$11.39 billion
Loans$7.61 billion
Deposits$8.90 billion
Equity Capital$2.24 billion
Loan Loss Allowance$268.09 million
Unbacked Noncurrent Loans$284.05 million
Real Estate Owned$22.48 million

Historic Data - September 2010

Assets$11.00 billion
Equity Capital$2.10 billion
Loan Loss Allowance$376.01 million
Unbacked Noncurrent Loans$447.19 million
Real Estate Owned$51.63 million

Profit Margin - Quarterly

Net Interest Margin4.22%
Return on Assets1.35%
Return on Equity7.01%
Interest Income$320.99 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio4
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Amegy Bank had $306.54 million in non-current loans and owned real-estate with $2.5 billion in equity and loan loss allowances on hand to cover it. This gives Amegy Bank a Texas Ratio of 12.24% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Amegy Bank decreased slightly from 20.08% as of September 30, 2010 to 12.24% as of September 30, 2011, resulting in a positive change of 39.04%.This indicates that the balance sheet and financial strength for Amegy Bank has improved slightly in recent periods.
Deposit Growth4
In the past year, Amegy Bank has increased its total deposits by $356.42 million, resulting in 4.17% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Amegy Bank has shown is above average.
Capitalization5
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Amegy Bank has $11.39 billion in assets with $2.5 billion in equity, resulting in a capitalization level of 21.98%, which is excellent.
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