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Overview / Commentary
602-381-2090
2036 East Camelback Road
Phoenix, AZ 85016

Arizona Bank & Trust is headquartered in Phoenix and is the 5th largest bank in the state of Arizona. It is also the 1,474th largest bank in the nation. It was established in 2003 and as of December of 2013, it had grown to 107 employees at 9 locations. Arizona Bank & Trust has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
C+

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 December 31, 2013 Arizona Bank & Trust had $11.57 million in non-current loans and owned real-estate with $51.9 million in equity and loan loss allowances on hand to cover it. This gives Arizona Bank & Trust a Texas Ratio of 22.29% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Arizona Bank & Trust decreased slightly from 28.00% as of December 31, 2012 to 22.29% as of December 31, 2013, resulting in a positive change of 20.39%.This indicates that the balance sheet and financial strength for Arizona Bank & Trust has improved slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Arizona Bank & Trust has increased its total deposits by $125.02 million, resulting in 51.44% 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 Arizona Bank & Trust has shown is excellent.

Capitalization

GRADE:
A

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. Arizona Bank & Trust has $450.32 million in assets with $51.9 million in equity, resulting in a capitalization level of 11.52%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #57620
Year Established2003
Employees107
Primary RegulatorFDIC
Assets and Liabilities
Assets$450.32 million
Loans$326.38 million
Deposits$368.06 million
Equity Capital$47.77 million
Loan Loss Allowance$4.13 million
Unbacked Noncurrent Loans$4.41 million
Real Estate Owned$7.16 million
Historic Data - December 2012
Assets$307.87 million
Equity Capital$30.57 million
Loan Loss Allowance$4.44 million
Unbacked Noncurrent Loans$4.41 million
Real Estate Owned$6.26 million
Profit Margin - Quarterly
Net Interest Margin4.11%
Return on Assets0.91%
Return on Equity8%
Interest Income$17.19 million
Rates
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Arizona Bank & Trust Checking Account Rates

DetailsAPYMINMAXPRODUCT
1.51%-$20kCash Rewards Checking
0.01%--Cash Rewards Checking

Arizona Bank & Trust CD Rates

DetailsAPYMINMAXPRODUCT
1.00%$1k-48 Month CD
0.70%$1k-36 Month CD
0.65%$1k-24 Month CD
0.45%$1k-18 Month CD
0.35%$1k-3 Month CD
0.35%$1k-6 Month CD
0.35%$1k-12 Month CD

Arizona Bank & Trust IRA Rates

DetailsAPYMINMAXPRODUCT
1.20%$1k-60 Month IRA
1.00%$1k-48 Month IRA
0.70%$1k-36 Month IRA
0.65%$1k-24 Month IRA
0.45%$1k-18 Month IRA
0.35%$1k-3 Month IRA
0.35%$1k-6 Month IRA
0.35%$1k-12 Month IRA
Locations


Arizona Bank & Trust Locations
Chandler Branch1000 North 54th StreetChandler, AZ 85226
Chandler Branch1000 North 54th StreetChandler, AZ 85226
Mesa Branch1331 West Southern AvenueMesa, AZ 85202
Broadway Branch1333 BroadwayTempe, AZ 85282
Arizona Bank & Trust2036 East Camelback RoadPhoenix, AZ 85016
Heritage Bank, National Associaton Branch2710 East Camelback Road, Suite 100Phoenix, AZ 85016
Chandler Village Branch3471 West Frye RoadChandler, AZ 85226
Scottsdale Airpark7555 East Redfield RoadScottsdale, AZ 85260
Crossroads Towne CenterGilbert and Germann RoadsGilbert, AZ 85296