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Overview / Commentary
7 West 51st Street
New York, NY 10019

E-LOAN is a nationwide financial services company that is dedicated to providing consumers with a simple, easy and open way to obtain high yield savings accounts and CDs. Their web site also provides access to several preferred, nationally recognized lending partners that may be able to assist you in obtaining a loan that meets your financial needs.

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Top 1-year and 18-Month CD Rates at E-LOAN Bank - 9/23/2013

When E-LOAN first launched its internet bank in 2006, its savings account and CD rates were very competitive. It has been a long time since the savings account rate has been competitive. However, ever ...

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Data for Q1 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 March 31, 2014 had $124.82 million in non-current loans and owned real-estate with $1.84 billion in equity and loan loss allowances on hand to cover it. This gives a Texas Ratio of 6.78% 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 decreased dramatically from 13.89% as of March 31, 2013 to 6.78% as of March 31, 2014, resulting in a positive change of 51.16%.This indicates that the balance sheet and financial strength for has improved dramatically in recent periods.

Deposit Growth


In the past year, has decreased its total deposits by -$53.55 million, resulting in -0.87% 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 has shown is average.



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. has $8.79 billion in assets with $1.84 billion in equity, resulting in a capitalization level of 20.93%, which is excellent.

Institution Statistics

FDIC Certificate #34967
Year Established1999
Primary RegulatorFED
Assets and Liabilities
Assets$8.79 billion
Loans$5.54 billion
Deposits$6.07 billion
Equity Capital$1.73 billion
Loan Loss Allowance$107.84 million
Unbacked Noncurrent Loans$97.95 million
Real Estate Owned$26.87 million
Historic Data - March 2013
Assets$8.75 billion
Equity Capital$1.66 billion
Loan Loss Allowance$159.48 million
Unbacked Noncurrent Loans$97.95 million
Real Estate Owned$44.04 million
Profit Margin - Quarterly
Net Interest Margin3.76%
Return on Assets1.72%
Return on Equity8.83%
Interest Income$88.68 million
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Always verify rates and promotions with the bank or credit union. We are not, we are a rate comparison website and can not provide official rates or promotions. Savings Account Rates

0.40%$100k-Savings Plus CD Rates

1.55%$10k-6 Year CD
1.51%$10k-5 Year CD
1.20%$10k-4 Year CD
1.10%$10k-3 Year CD
1.00%$10k-2 Year CD
0.93%$10k-18 Month CD
0.91%$10k-1 Year CD
0.50%$10k-9 Month CD
0.43%$10k-6 Month CD
0.25%$10k-3 Month CD
0.16%$10k-2 Month CD
0.10%$10k-1 Month CD
Locations is an Internet only bank and does not have branch locations. Its headquarters is located at 7 West 51st Street - New York, NY 10019