Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
1100 North King Street
Wilmington, DE 19884

FIA Card Services, National Association is headquartered in Wilmington and is the 3rd largest bank in the state of Delaware. It is also the 14st largest bank in the nation. It was established in 1991 and as of December of 2013, it had grown to 12,051 employees at 1 location. FIA Card Services, National Association has a A+ health rating.

Reviews (1)

Management Of This Bank Sucks And Is Coward

I received a letter from this bank signed by Mathew Schlitz seeking my feed back on their services but when I called the telephone number I was told that there is no one with that name nor could I get his email address or any other means to contact him personally.

It is obvious that they do not care for any feedback  and are just wasting their and customers' time. 

There is no email address to contact them at the url given above.



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 FIA Card Services, National Association had $1.34 billion in non-current loans and owned real-estate with $24.27 billion in equity and loan loss allowances on hand to cover it. This gives FIA Card Services, National Association a Texas Ratio of 5.54% 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 FIA Card Services, National Association decreased slightly from 7.06% as of December 31, 2012 to 5.54% as of December 31, 2013, resulting in a positive change of 21.62%.This indicates that the balance sheet and financial strength for FIA Card Services, National Association has improved slightly in recent periods.

Deposit Growth

GRADE:
B+

In the past year, FIA Card Services, National Association has increased its total deposits by $2.95 billion, resulting in 2.51% 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 FIA Card Services, National Association has shown is above 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. FIA Card Services, National Association has $158.29 billion in assets with $24.27 billion in equity, resulting in a capitalization level of 15.33%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #33318
Year Established1991
Employees12051
Primary RegulatorOCC
Assets and Liabilities
Assets$158.29 billion
Loans$110.82 billion
Deposits$120.40 billion
Equity Capital$19.33 billion
Loan Loss Allowance$4.94 billion
Unbacked Noncurrent Loans$1.34 billion
Real Estate Owned$1,000,000
Historic Data - December 2012
Assets$167.46 billion
Equity Capital$21.33 billion
Loan Loss Allowance$6.16 billion
Unbacked Noncurrent Loans$1.34 billion
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin7.81%
Return on Assets2.67%
Return on Equity21.8%
Interest Income$12.21 billion
Rates

Sorry, we do not have rate data for FIA Card Services, National Association

Locations


FIA Card Services, National Association Locations
Fia Card Services, National Association1100 North King StreetWilmington, DE 19801