National Bank of Arizona

6001 N. 24th Street
Phoenix, AZ 85016
1-800-655-7622
www.nbarizona.com

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National Bank of Arizona is headquartered in Tucson and is the largest bank in the state of Arizona. It is also the 179^th largest bank in the nation. It was established in 1972 and as of March of 2012, it had grown to 919 employees at 72 locations. National Bank of Arizona has a 4-star health rating.

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

National Bank of Arizona Checking Account Rates

Apy	Min	Max	Product
0.50%	-	$25k	Green Rewards Checking
0.03%	-	-	Interest Checking
0.03%	-	-	NFP Community Checking Plus
0.03%	$1k	-	Business Interest Checking

National Bank of Arizona Savings Account Rates

Apy	Min	Max	Product
0.05%	-	-	Personal Savings
0.05%	-	-	Business Savings
0.05%	-	-	IRA Savings
0.03%	-	-	IOLTA

National Bank of Arizona Money Market Rates

Apy	Min	Max	Product
0.25%	$250k	-	Value Connection Plus Money Market Premium
0.25%	$250k	-	Executive Reserve Money Market Premium
0.20%	$250k	-	Value Connection InGroup Banking MMP
0.15%	$250k	-	Business Money Market Premium
0.15%	$250k	-	Money Market Premium

National Bank of Arizona CD Rates

Apy	Min	Max	Product
1.00%	$5k	-	5 Year Value Connection Plus CD
1.00%	$5k	-	5 Year Value Connection CD
1.00%	$1k	-	5 Year Executive Reserve CD
0.75%	$5k	-	4 Year Value Connection Plus CD
0.75%	$5k	-	4 Year Value Connection CD
0.75%	$1k	-	4 Year Executive Reserve CD
0.50%	$1k	-	5 Year Personal CD
0.50%	$1k	-	Business 5 Year CD
0.50%	$5k	-	3 Year Value Connection Plus CD
0.50%	$5k	-	3 Year Value Connection CD
0.50%	$1k	-	3 Year Executive Reserve CD
0.40%	$5k	-	1 Year Value Connection Plus CD
0.40%	$5k	-	2 Year Value Connection Plus CD
0.40%	$5k	-	1 Year Value Connection CD
0.40%	$5k	-	2 Year Value Connection CD
0.40%	$1k	-	1 Year Executive Reserve CD
0.40%	$1k	-	2 Year Executive Reserve CD
0.35%	$250k	-	Ambitious CDs
0.35%	$1k	-	4 Year Personal CD
0.35%	$1k	-	Business 4 Year CD
0.35%	$250k	-	Business Index CD
0.25%	$1k	-	3 Year Personal CD
0.25%	$1k	-	Business 3 Year CD
0.25%	$5k	-	180 - 364 Day Value Connection Plus CD
0.25%	$5k	-	180 - 364 Day Value Connection CD
0.25%	$1k	-	180 - 364 Day Executive Reserve CD
0.15%	$1k	-	1 Year Personal CD
0.15%	$1k	-	2 Year Personal CD
0.15%	$1k	-	Business 1 Year CD
0.15%	$1k	-	Business 2 Year CD
0.10%	$1k	-	180 - 364 Day Personal CD
0.10%	$1k	-	Business 180 - 364 Day CD
0.05%	$1k	-	32 - 89 Day Personal CD
0.05%	$1k	-	90 - 179 Day Personal CD
0.05%	$1k	-	Business 7 - 31 Day CD
0.05%	$1k	-	Business 32 - 89 Day CD
0.05%	$1k	-	Business 90 - 179 Day CD
0.05%	$1k	-	7 - 31 Day Personal CD

National Bank of Arizona IRA Rates

Apy	Min	Max	Product
1.00%	$500	-	5 Year Fixed IRA CD
0.75%	$500	-	4 Year Fixed IRA CD
0.50%	$500	-	3 Year Fixed IRA CD
0.40%	$500	-	1 Year Fixed IRA CD
0.40%	$500	-	2 Year Fixed IRA CD

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

National Bank of Arizona
FDIC Certificate #	20626
BankRate Report	View
Year Established	1972
Employees	919
Primary Regulator	OCC
Assets and Liabilities
Assets	$4.54 billion
Loans	$3.18 billion
Deposits	$3.80 billion
Equity Capital	$652.98 million
Loan Loss Allowance	$96.71 million
Unbacked Noncurrent Loans	$98.13 million
Real Estate Owned	$32.37 million
Historic Data - March 2011
Assets	$4.49 billion
Equity Capital	$630.84 million
Loan Loss Allowance	$130.03 million
Unbacked Noncurrent Loans	$135.53 million
Real Estate Owned	$51.66 million
Profit Margin - Quarterly
Net Interest Margin	4.11%
Return on Assets	0.29%
Return on Equity	2%
Interest Income	$44.40 million

Institution Health

Overall Score:

4 out of 5

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 March 31, 2012 National Bank of Arizona had $130.5 million in non-current loans and owned real-estate with $749.69 million in equity and loan loss allowances on hand to cover it. This gives National Bank of Arizona a Texas Ratio of 17.41% 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 National Bank of Arizona decreased slightly from 24.79% as of March 31, 2011 to 17.41% as of March 31, 2012, resulting in a positive change of 29.78%.This indicates that the balance sheet and financial strength for National Bank of Arizona has improved slightly in recent periods.
Deposit Growth
In the past year, National Bank of Arizona has increased its total deposits by $36.89 million, resulting in 0.98% 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 National Bank of Arizona has shown is average.
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. National Bank of Arizona has $4.54 billion in assets with $749.69 million in equity, resulting in a capitalization level of 16.50%, which is excellent.