Los Alamos National Bank

Los Alamos National Bank Locations
1200 Trinity Drive
Los Alamos, NM 87544
(505) 662-5171
www.lanb.com



Los Alamos National Bank is headquartered in Los Alamos and is the 2nd largest bank in the state of New Mexico. It is also the 434th largest bank in the nation. It was established in 1963 and as of March of 2012, it had grown to 330 employees at 7 locations. Los Alamos National Bank's savings rates are 35% higher than the national average, and it has a 4-star health rating.



See Rates for: Checking | Savings | Money Market | CD | IRA

Los Alamos National Bank Checking Account Rates

ApyMinMaxProduct
0.25%$100k-Free Checking Plus
0.25%$100k-eChecking
0.25%$100k-Senior Account

Los Alamos National Bank Savings Account Rates

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0.70%$10k-Senior IRA Plus
0.40%$1m-Universal Saving
0.30%$100k-Universal IRA
0.10%--Savings
0.10%--Student Savings

Los Alamos National Bank Money Market Rates

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0.25%$100k-Money Market

Los Alamos National Bank CD Rates

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1.65%$100k-60 Month Jumbo CD
1.46%$500-60 Month Senior CD
1.45%$100k-48 Month Jumbo CD
1.35%$100k-36 Month Jumbo CD
1.31%$500-60 Month CD
1.26%$500-48 Month Senior CD
1.16%$500-36 Month Senior CD
1.15%$100k-24 Month Jumbo CD
1.11%$500-48 Month CD
1.01%$500-36 Month CD
1.00%$100k-18 Month Jumbo CD
0.95%$500-24 Month Senior CD
0.80%$500-24 Month CD
0.80%$500-18 Month Senior CD
0.80%$100k-12 Month Jumbo CD
0.70%$10k-12 Month Senior Plus CD
0.65%$500-18 Month CD
0.60%$500-12 Month Senior CD
0.60%$100k-180 Day Jumbo CD
0.55%$10k-12 Month Plus CD
0.50%$100k-90 Day Jumbo CD
0.45%$500-12 Month CD
0.40%$500-180 Day Senior CD
0.30%$500-90 Day Senior CD
0.25%$500-180 Day CD
0.15%$500-90 Day CD

Los Alamos National Bank IRA Rates

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1.46%$500-60 Month Senior IRA
1.31%$500-60 Month IRA
1.26%$500-48 Month Senior IRA
1.16%$500-36 Month Senior IRA
1.11%$500-48 Month IRA
1.01%$500-36 Month IRA
0.95%$500-24 Month Senior IRA
0.80%$500-24 Month IRA
0.60%$500-12 Month Senior IRA
0.55%$10k-12 Month Plus IRA
0.45%$500-12 Month IRA

Rates updated: 5/27/2012

Data for Q1 2012


Institution Statistics


Los Alamos National Bank
FDIC Certificate #18799
BankRate ReportView
Year Established1963
Employees330
Primary RegulatorOCC

Assets and Liabilities

Assets$1.54 billion
Loans$1.22 billion
Deposits$1.35 billion
Equity Capital$159.23 million
Loan Loss Allowance$27.26 million
Unbacked Noncurrent Loans$54.75 million
Real Estate Owned$15.58 million

Historic Data - March 2011

Assets$1.51 billion
Equity Capital$158.20 million
Loan Loss Allowance$28.38 million
Unbacked Noncurrent Loans$61.67 million
Real Estate Owned$21.22 million

Profit Margin - Quarterly

Net Interest Margin4.16%
Return on Assets0.74%
Return on Equity7.18%
Interest Income$16.92 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio2
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 March 31, 2012 Los Alamos National Bank had $70.33 million in non-current loans and owned real-estate with $186.49 million in equity and loan loss allowances on hand to cover it. This gives Los Alamos National Bank a Texas Ratio of 37.71% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Los Alamos National Bank decreased slightly from 44.42% as of March 31, 2011 to 37.71% as of March 31, 2012, resulting in a positive change of 15.11%.This indicates that the balance sheet and financial strength for Los Alamos National Bank has improved slightly in recent periods.
Deposit Growth4
In the past year, Los Alamos National Bank has increased its total deposits by $34.51 million, resulting in 2.62% 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 Los Alamos National Bank has shown is above average.
Capitalization5
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. Los Alamos National Bank has $1.54 billion in assets with $186.49 million in equity, resulting in a capitalization level of 12.12%, which is excellent.
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