Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
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 1,441st largest bank in the nation. It was established in 2003 and as of June of 2014, it had grown to 112 employees at 9 locations. Arizona Bank & Trust has a B+ health rating.

Related Posts

No reviews have been left for this bank yet. Be the first to review.


Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Arizona Bank & Trust had $9.9 million in non-current loans and owned real-estate with $54.38 million in equity and loan loss allowances on hand to cover it. This gives Arizona Bank & Trust a Texas Ratio of 18.20% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Arizona Bank & Trust experienced no significant changes from 18.48% as of June 30, 2013 to 18.20% as of June 30, 2014, resulting in a positive change of 1.52%.This indicates that the balance sheet and financial strength for Arizona Bank & Trust has had no significant changes in recent periods.

Deposit Growth


In the past year, Arizona Bank & Trust has increased its total deposits by $60.2 million, resulting in 18.71% 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.



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 $467.97 million in assets with $54.38 million in equity, resulting in a capitalization level of 11.62%, which is excellent.

Institution Statistics

FDIC Certificate #57620
Year Established2003
Primary RegulatorFDIC
Assets and Liabilities
Assets$467.97 million
Loans$326.44 million
Deposits$382.01 million
Equity Capital$50.63 million
Loan Loss Allowance$3.75 million
Unbacked Noncurrent Loans$2.95 million
Real Estate Owned$6.95 million
Historic Data - June 2013
Assets$393.83 million
Equity Capital$47.59 million
Loan Loss Allowance$3.57 million
Unbacked Noncurrent Loans$2.95 million
Real Estate Owned$7.22 million
Profit Margin - Quarterly
Return on Assets0.9%
Return on Equity8.47%
Interest Income$9.66 million
Skip to rates for:

Always verify rates and promotions with the bank or credit union. We are not Arizona Bank & Trust, we are a rate comparison website and can not provide official rates or promotions.

Arizona Bank & Trust Checking Account Rates

1.51%-$20kCash Rewards Checking - Qualifying
0.01%--Cash Rewards Checking - Non Qualifying

Arizona Bank & Trust CD Rates

1.00%$1k-48 Month CD
0.70%$1k-36 Month CD
0.60%$1k-24 Month CD
0.45%$1k-18 Month CD
0.35%$1k-6 Month CD
0.35%$1k-12 Month CD
0.25%$1k-3 Month CD

Arizona Bank & Trust IRA Rates

1.20%$1k-60 Month IRA
1.00%$1k-48 Month IRA
0.70%$1k-36 Month IRA
0.60%$1k-24 Month IRA
0.45%$1k-18 Month IRA
0.35%$1k-6 Month IRA
0.35%$1k-12 Month IRA
0.25%$1k-3 Month IRA

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