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Overview / Commentary
9701 Wilshire Blvd
Beverly Hills, CA 90210

EH National Bank is headquartered in Beverly Hills and is the 136th largest bank in the state of California. It is also the 2,886th largest bank in the nation. It was established in 2005 and as of December of 2013, it had grown to 58 employees at 1 location. EH National Bank's money market rates are 77% higher than the national average, and it boasts a A+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


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 EH National Bank had $3.22 million in non-current loans and owned real-estate with $30.63 million in equity and loan loss allowances on hand to cover it. This gives EH National Bank a Texas Ratio of 10.49% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for EH National Bank decreased dramatically from 22.78% as of December 31, 2012 to 10.49% as of December 31, 2013, resulting in a positive change of 53.93%.This indicates that the balance sheet and financial strength for EH National Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, EH National Bank has increased its total deposits by $23.25 million, resulting in 14.29% 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 EH National Bank 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. EH National Bank has $214.03 million in assets with $30.63 million in equity, resulting in a capitalization level of 14.31%, which is excellent.

Institution Statistics

FDIC Certificate #57734
Year Established2005
Primary RegulatorOCC
Assets and Liabilities
Assets$214.03 million
Loans$146.74 million
Deposits$185.95 million
Equity Capital$26.14 million
Loan Loss Allowance$4.49 million
Unbacked Noncurrent Loans$2.89 million
Real Estate Owned$329,000
Historic Data - December 2012
Assets$192.30 million
Equity Capital$26.83 million
Loan Loss Allowance$7.27 million
Unbacked Noncurrent Loans$2.89 million
Real Estate Owned$640,000
Profit Margin - Quarterly
Net Interest Margin4.66%
Return on Assets-0.93%
Return on Equity-7.18%
Interest Income$9.49 million

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EH National Bank Savings Account Rates

0.40%--Personal Savings
0.30%--Business Savings

EH National Bank Money Market Rates

0.78%$100k-Premium Personal Money Market
0.65%$50k-Premium Business Money Market

EH National Bank Checking Account Rates

0.35%--Personal NOW Account
0.30%--Attorney Client Trust (IOLTA)
0.30%--Business NOW Account

EH National Bank CD Rates

0.80%$10k-12 Month CD
0.80%$10k-24 Month CD
0.75%$10k-12 Month Business CD
0.75%$10k-24 Month Business CD
0.70%$10k-6 Month CD
0.65%$10k-6 Month Business CD
0.20%$10k-3 Month CD
0.15%$10k-3 Month Business CD

EH National Bank IRA Rates

1.26%$500-60 Month Traditional IRA
1.26%$500-60 Month Roth IRA
1.01%$500-36 Month Traditional IRA
1.01%$500-36 Month Roth IRA
0.80%$500-12 Month Traditional IRA
0.80%$500-12 Month Roth IRA

EH National Bank Locations
Eh National Bank9701 Wilshire BoulevardBeverly Hills, CA 90210