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Armed Forces Bank of California, National Association

Overview / Commentary
619-239-3601
2260 Callagan Highway, Building 3187a, Suite 1
San Diego, CA 92136

Armed Forces Bank of California, National Association is headquartered in San Diego and is the 219st largest bank in the state of California. It is also the 6,628th largest bank in the nation. It was established in 1999 and as of March of 2014, it had grown to 57 employees at 8 locations. Armed Forces Bank of California, National Association has a B health rating.

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Health

Data for Q1 2014

Institution Health

B
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Armed Forces Bank of California, National Association has a low asset base.

Texas Ratio

GRADE:
A+

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 March 31, 2014 Armed Forces Bank of California, National Association had $0 in non-current loans and owned real-estate with $6.05 million in equity and loan loss allowances on hand to cover it. This gives Armed Forces Bank of California, National Association a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth

GRADE:
C

In the past year, Armed Forces Bank of California, National Association has decreased its total deposits by $-311,000, resulting in -2.33% 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 Armed Forces Bank of California, National Association has shown is average.

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. Armed Forces Bank of California, National Association has $19.21 million in assets with $6.05 million in equity, resulting in a capitalization level of 31.49%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #35354
Year Established1999
Employees57
Primary RegulatorOCC
Assets and Liabilities
Assets$19.21 million
Loans$5.67 million
Deposits$13.06 million
Equity Capital$5.95 million
Loan Loss Allowance$103,000
Real Estate Owned$0
Historic Data - March 2013
Assets$19.56 million
Equity Capital$5.65 million
Loan Loss Allowance$146,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin2.14%
Return on Assets-0.6%
Return on Equity-1.95%
Interest Income$86,000
Rates

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Armed Forces Bank of California, National Association Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.05%--Savings
0.05%--Business Savings

Armed Forces Bank of California, National Association Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%$1m-Personal Money Market Account
0.25%$1m-Business Money Market Account

Armed Forces Bank of California, National Association Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$50k-Elite Checking

Armed Forces Bank of California, National Association CD Rates

DetailsAPYMINMAXPRODUCT
1.30%$500-60 Month CD
1.30%$500-Business 60 Month CD
1.10%$500-48 Month CD
1.10%$500-Business 48 Month CD
1.00%$500-36 Month CD
1.00%$500-Business 36 Month CD
0.95%$500-30 Month CD
0.95%$500-Business 30 Month CD
0.90%$500-24 Month CD
0.90%$500-Business 24 Month CD
0.80%$500-18 Month CD
0.80%$500-Business 18 Month CD
0.70%$500-15 Month CD
0.70%$500-Business 15 Month CD
0.60%$500-12 Month CD
0.60%$500-Business 12 Month CD
0.40%$500-9 Month CD
0.40%$500-Business 9 Month CD
0.25%$500-182 Day CD
0.25%$500-Business 182 Day CD
0.20%$500-91 Day CD
0.20%$500-Business 91 Day CD
0.15%$500-30 Day CD
0.15%$500-Business 30 Day CD

Armed Forces Bank of California, National Association IRA Rates

DetailsAPYMINMAXPRODUCT
1.30%$500-60 Month IRA
1.30%$500-60 Month SEP IRA
1.10%$500-48 Month IRA
1.10%$500-48 Month SEP IRA
1.00%$500-36 Month IRA
1.00%$500-36 Month SEP IRA
0.95%$500-30 Month IRA
0.95%$500-30 Month SEP IRA
0.90%$500-24 Month IRA
0.90%$500-24 Month SEP IRA
0.80%$500-18 Month IRA
0.80%$500-18 Month SEP IRA
0.70%$500-15 Month IRA
0.70%$500-15 Month SEP IRA
0.60%$500-12 Month IRA
0.60%$500-12 Month SEP IRA
0.40%$500-9 Month IRA
0.40%$500-9 Month SEP IRA
0.25%$500-182 Day IRA
0.25%$500-182 Day SEP IRA
0.20%$500-91 Day IRA
0.20%$500-91 Day SEP IRA
Locations


Armed Forces Bank of California, National Association Locations
Hueneme Office Branch130 23rd AvenuePort Hueneme, CA 93043
Point Loma Branch140 Sylvester RoadSan Diego, CA 92106
Armed Forces Bank Of California, National Associat2260 Callagan Highway, Building 3187a, Suite 1San Diego, CA 92136
Navy Exchange Branch2260 Callagan Hwy Suite 1San Diego, CA 92136
Nab Coronado Branch3238 Guadal Canal RoadSan Diego, CA 92155
Lemoore Branch796 Reeves BlvdLemoore Naval Air Station, CA 93245
Fleet Store BranchBuilding 3301 Surface Navy BlvdSan Diego, CA 92136
Nas North Island BranchNex Building 2017San Diego, CA 92135