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Overview / Commentary
707-257-1497
2007 Redwood Road, Suite 101
Napa, CA 94558

Bank of Napa, N.A. is headquartered in Napa and is the 158th largest bank in the state of California. It is also the 3,464th largest bank in the nation. It was established in 2006 and as of December of 2013, it had grown to 23 employees at 1 location. Bank of Napa, N.A. has a A+ health rating.

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Health

Data for Q4 2013

Institution Health

A+

Texas Ratio

GRADE:
A+

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 Bank of Napa, N.A. had $518,000 in non-current loans and owned real-estate with $23 million in equity and loan loss allowances on hand to cover it. This gives Bank of Napa, N.A. a Texas Ratio of 2.25% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Bank of Napa, N.A. experienced no significant changes from 2.16% as of December 31, 2012 to 2.25% as of December 31, 2013, resulting in a negative change of 4.50%. This indicates that the balance sheet and financial strength for Bank of Napa, N.A. has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Bank of Napa, N.A. has increased its total deposits by $15.4 million, resulting in 11.96% 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 Bank of Napa, N.A. 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. Bank of Napa, N.A. has $166.5 million in assets with $23 million in equity, resulting in a capitalization level of 13.82%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #58138
Year Established2006
Employees23
Primary RegulatorOCC
Assets and Liabilities
Assets$166.50 million
Loans$97.60 million
Deposits$144.16 million
Equity Capital$21.44 million
Loan Loss Allowance$1.56 million
Unbacked Noncurrent Loans$518,000
Real Estate Owned$0
Historic Data - December 2012
Assets$149.92 million
Equity Capital$20.40 million
Loan Loss Allowance$1.50 million
Unbacked Noncurrent Loans$518,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.03%
Return on Assets1.26%
Return on Equity9.21%
Interest Income$6.07 million
Rates

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Bank of Napa, N.A. Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$100k-Personal Savings Account
0.10%$100k-Business Savings Account

Bank of Napa, N.A. Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$500k-Personal Money Market Account
0.20%$500k-Business Money Market Account

Bank of Napa, N.A. Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.15%$500k-Non-Profit Business Unlimited Interest Checking
0.10%$100k-Personal Interest Checking
0.10%$100k-Business Interest Checking
0.10%$100k-BON Voyagers! Personal Interest Checking

Bank of Napa, N.A. CD Rates

DetailsAPYMINMAXPRODUCT
1.00%$1k-49 - 60 Month CD
0.75%$100k-36 - 48 Month CD
0.50%$100k-24 - 35 Month CD
0.35%$100k-12 - 23 Month CD
0.20%$100k-180 - 364 Day CD
0.15%$100k-90 - 179 Day CD
0.05%$1k-31 - 89 Day CD

Bank of Napa, N.A. IRA Rates

DetailsAPYMINMAXPRODUCT
0.05%$1k-12 Month Individual IRA
Locations


Bank of Napa, N.A. Locations
Bank Of Napa, N.A.2007 Redwood Road, Suite 101Napa, CA 94558