giantbank.com, the Internet Banking Division of Landmark Bank, N.A., was founded in the Summer of 1999 to deliver the ultimate banking solution to you: Personal Banking on an Anytime, Anywhere basis. You now have your very own personal banker without ever leaving the comfort of your home or office. They utilize the "best & brightest" technology partners so that you benefit from the most capable technology and security. Their industry-leading partners include CheckFree, Fiserv, Inc, InfoSight and Zaida Communications. Naturally, giantbank is FDIC Insured. They know how to make your money perform while delivering security and convenience.
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 Giantbank.com had $14.15 million in non-current loans and owned real-estate with $47.37 million in equity and loan loss allowances on hand to cover it. This gives Giantbank.com a Texas Ratio of 29.88% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Giantbank.com decreased dramatically from 69.99% as of December 31, 2012 to 29.88% as of December 31, 2013, resulting in a positive change of 57.32%.This indicates that the balance sheet and financial strength for Giantbank.com has improved dramatically in recent periods.
Deposit Growth
In the past year, Giantbank.com has increased its total deposits by $17.1 million, resulting in 9.16% 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 Giantbank.com has shown is excellent.
Capitalization
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. Giantbank.com has $268.52 million in assets with $47.37 million in equity, resulting in a capitalization level of 17.64%, which is excellent.
Institution Statistics
| Overall | |
|---|---|
| FDIC Certificate # | 34832 |
| Year Established | 1998 |
| Employees | 33 |
| Primary Regulator | OCC |
| Assets and Liabilities | |
|---|---|
| Assets | $268.52 million |
| Loans | $218.52 million |
| Deposits | $203.85 million |
| Equity Capital | $41.08 million |
| Loan Loss Allowance | $6.29 million |
| Unbacked Noncurrent Loans | $14.15 million |
| Real Estate Owned | $0 |
| Historic Data - December 2012 | |
|---|---|
| Assets | $256.00 million |
| Equity Capital | $38.21 million |
| Loan Loss Allowance | $7.46 million |
| Unbacked Noncurrent Loans | $14.15 million |
| Real Estate Owned | $5.87 million |
| Profit Margin - Quarterly | |
|---|---|
| Net Interest Margin | 4.26% |
| Return on Assets | 1.11% |
| Return on Equity | 7.16% |
| Interest Income | $12.58 million |
Always verify rates and promotions with the bank or credit union. We are not Giantbank.com, we are a rate comparison website and can not provide official rates or promotions.
Giantbank.com Money Market Rates
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 0.60% | $100k | - | Giant Money Market | |
| 0.35% | $1k | - | Giant Business Money Market |
Giantbank.com Checking Account Rates
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 0.20% | $10k | $10m | Giant Personal Checking | |
| 0.15% | $1,500 | $10m | Giant Business Checking |
Giantbank.com CD Rates
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 1.30% | $2,500 | - | 60 Month Giant Personal CD | |
| 1.30% | $2,500 | - | 60 Month Giant Business CD | |
| 1.05% | $2,500 | - | 36 Month Giant Personal CD | |
| 1.05% | $2,500 | - | 36 Month Giant Business CD | |
| 0.95% | $2,500 | - | 24 Month Giant Personal CD | |
| 0.85% | $2,500 | - | 24 Month Giant Business CD | |
| 0.75% | $2,500 | - | 12 Month Giant Personal CD | |
| 0.60% | $2,500 | - | 9 Month Giant Personal CD | |
| 0.60% | $10k | $250k | 12 Month Giant Business CD | |
| 0.55% | $2,500 | - | 182 Day Giant Personal CD | |
| 0.50% | $10k | $250k | 9 Month Giant Business CD | |
| 0.45% | $10k | $250k | 182 Day Giant Business CD | |
| 0.25% | $2,500 | - | 91 Day Giant Personal CD | |
| 0.20% | $10k | $250k | 91 Day Giant Business CD |
Giantbank.com IRA Rates
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 1.30% | $1k | - | 60 Month Giant IRA | |
| 1.30% | $500 | - | 60 Month CESA | |
| 1.05% | $1k | - | 36 Month Giant IRA | |
| 1.05% | $500 | - | 36 Month CESA | |
| 0.95% | $1k | - | 24 Month Giant IRA | |
| 0.95% | $500 | - | 24 Month CESA | |
| 0.75% | $1k | - | 12 Month Giant IRA | |
| 0.75% | $500 | - | 12 Month CESA |
Giantbank.com is an Internet only bank and does not have branch locations. Its headquarters is located at 2600 East Commercial Boulevard - Ft. Lauderdale, FL 33308