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Overview / Commentary
220 Alhambra Circle, Fifth Floor
Coral Gables, FL 33134

Gibraltar Private Bank & Trust Co. is headquartered in Coral Gables and is the 17st largest bank in the state of Florida. It is also the 445th largest bank in the nation. It was established in 1984 and as of December of 2013, it had grown to 286 employees at 8 locations. Gibraltar Private Bank & Trust Co. has a C+ health rating.

Reviews (1)

Loan Challenges

Loans seem to be a challenge.



Health

Data for Q4 2013

Institution Health

C+

Texas Ratio

GRADE:
C

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 Gibraltar Private Bank & Trust Co. had $64.63 million in non-current loans and owned real-estate with $150.81 million in equity and loan loss allowances on hand to cover it. This gives Gibraltar Private Bank & Trust Co. a Texas Ratio of 42.85% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Gibraltar Private Bank & Trust Co. decreased slightly from 60.34% as of December 31, 2012 to 42.85% as of December 31, 2013, resulting in a positive change of 28.98%.This indicates that the balance sheet and financial strength for Gibraltar Private Bank & Trust Co. has improved slightly in recent periods.

Deposit Growth

GRADE:
F

In the past year, Gibraltar Private Bank & Trust Co. has decreased its total deposits by -$193.6 million, resulting in -13.3% 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 Gibraltar Private Bank & Trust Co. has shown is poor.

Capitalization

GRADE:
B

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. Gibraltar Private Bank & Trust Co. has $1.56 billion in assets with $150.81 million in equity, resulting in a capitalization level of 9.69%, which is above average.

Institution Statistics

Overall
FDIC Certificate #32212
Year Established1984
Employees286
Primary RegulatorOCC
Assets and Liabilities
Assets$1.56 billion
Loans$1.30 billion
Deposits$1.26 billion
Equity Capital$126.51 million
Loan Loss Allowance$24.30 million
Unbacked Noncurrent Loans$57.09 million
Real Estate Owned$7.54 million
Historic Data - December 2012
Assets$1.71 billion
Equity Capital$137.00 million
Loan Loss Allowance$30.89 million
Unbacked Noncurrent Loans$57.09 million
Real Estate Owned$7.05 million
Profit Margin - Quarterly
Net Interest Margin3.11%
Return on Assets-0.58%
Return on Equity-7.05%
Interest Income$58.23 million
Rates

Sorry, we do not have rate data for Gibraltar Private Bank & Trust Co.

Locations


Gibraltar Private Bank & Trust Co. Locations
San Ignacio Avenue Branch1575 San Ignacio AvenueCoral Gables, FL 33146
Downtown Branch200 S. Biscayne Boulevard, Suite 2850Miami, FL 33131
Gibraltar Private Bank & Trust Co.220 Alhambra Circle, Fifth FloorCoral Gables, FL 33134
Park Ave Branch280 Park Avenue, 29th Floor EastNew York, NY 10017
Ocean Reef Branch35 Ocean Reef Drive, Suite 100Key Largo, FL 33037
Miami Beach Branch400 Arthur Godfrey Road, Suite 506Miami Beach, FL 33140
Fort Lauderdale Branch450 E. Las Olas Boulevard, Ste. 180Fort Lauderdale, FL 33301
Naples Branch5551 Ridgewood Drive, Suite 100Naples, FL 34108