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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 161st largest bank in the state of California. It is also the 3,489th largest bank in the nation. It was established in 2006 and as of June of 2014, it had grown to 24 employees at 1 location. Bank of Napa, N.A. has a A+ health rating.

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Health

Data for Q2 2014

Institution Health

A+

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 June 30, 2014 Bank of Napa, N.A. had $504,000 in non-current loans and owned real-estate with $24.08 million in equity and loan loss allowances on hand to cover it. This gives Bank of Napa, N.A. a Texas Ratio of 2.09% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B

The Texas Ratio for Bank of Napa, N.A. decreased slightly from 2.41% as of June 30, 2013 to 2.09% as of June 30, 2014, resulting in a positive change of 13.08%.This indicates that the balance sheet and financial strength for Bank of Napa, N.A. has improved slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Bank of Napa, N.A. has increased its total deposits by $19.3 million, resulting in 15.8% 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 $164.54 million in assets with $24.08 million in equity, resulting in a capitalization level of 14.63%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #58138
Year Established2006
Employees24
Primary RegulatorOCC
Assets and Liabilities
Assets$164.54 million
Loans$100.67 million
Deposits$141.38 million
Equity Capital$22.43 million
Loan Loss Allowance$1.65 million
Unbacked Noncurrent Loans$504,000
Real Estate Owned$0
Historic Data - June 2013
Assets$143.53 million
Equity Capital$20.78 million
Loan Loss Allowance$1.56 million
Unbacked Noncurrent Loans$504,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.69%
Return on Equity5.24%
Interest Income$3.12 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 Months CD
0.75%$100k-36 - 48 Months CD
0.50%$100k-24 - 35 Months CD
0.35%$100k-12 - 23 Months CD
0.20%$100k-180 - 364 Days CD
0.15%$100k-90 - 179 Days CD
0.05%$1k-31 - 89 Days 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