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Meridian Bank, National Association

Overview / Commentary
2198 East Camelback Road
Phoenix, AZ 85016

Meridian Bank, National Association is headquartered in Phoenix and is the 4th largest bank in the state of Arizona. It is also the 925th largest bank in the nation. It was established in 1978 and as of March of 2014, it had grown to 182 employees at 16 locations. Meridian Bank, National Association has a A+ health rating.

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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 Meridian Bank, National Association had $1.91 million in non-current loans and owned real-estate with $110.84 million in equity and loan loss allowances on hand to cover it. This gives Meridian Bank, National Association a Texas Ratio of 1.72% 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 Meridian Bank, National Association decreased dramatically from 6.54% as of March 31, 2013 to 1.72% as of March 31, 2014, resulting in a positive change of 73.63%.This indicates that the balance sheet and financial strength for Meridian Bank, National Association has improved dramatically in recent periods.

Deposit Growth


In the past year, Meridian Bank, National Association has increased its total deposits by $64.8 million, resulting in 12.67% 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 Meridian Bank, National Association has shown is excellent.



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. Meridian Bank, National Association has $739.08 million in assets with $110.84 million in equity, resulting in a capitalization level of 15.00%, which is excellent.

Institution Statistics

FDIC Certificate #22644
Year Established1978
Primary RegulatorOCC
Assets and Liabilities
Assets$739.09 million
Loans$505.07 million
Deposits$576.16 million
Equity Capital$104.07 million
Loan Loss Allowance$6.77 million
Unbacked Noncurrent Loans$1.00 million
Real Estate Owned$910,000
Historic Data - March 2013
Assets$690.83 million
Equity Capital$136.15 million
Loan Loss Allowance$6.54 million
Unbacked Noncurrent Loans$1.00 million
Real Estate Owned$1.76 million
Profit Margin - Quarterly
Net Interest Margin5.89%
Return on Assets1.24%
Return on Equity8.74%
Interest Income$11.41 million

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Meridian Bank, National Association Locations
Fountain Hills Branch13404 North LA Montana DriveFountain Hills, AZ 85268
Scottsdale Promenade Branch16435 N Scottsdale RdScottsdale, AZ 85254
Gateway Branch1675 North 95th LanePhoenix, AZ 85040
Wickenburg Branch2001 West Wickenburg WayWickenburg, AZ 85390
Meridian Bank, National Association2198 East Camelback RoadPhoenix, AZ 85016
Central Avenue Banking Center Branch2700 North Central Avenue, Suite 110Phoenix, AZ 85012
Arrowhead Branch7655 West Thunderbird RoadPeoria, AZ 85381
Gilbert Branch845 North Gilbert RoadGilbert, AZ 85234