Quantum National Bank

505 Peachtree Industrial Boulevard
Suwanee, GA 30024
770-945-8300
www.quantumbank.com

OverView
Rates
Health
Reviews

Quantum National Bank is headquartered in Suwanee and is the 46^th largest bank in the state of Georgia. It is also the 1,936^th largest bank in the nation. It was established in 1995 and as of March of 2012, it had grown to 46 employees at 2 locations. Quantum National Bank has a 3-star health rating.

Quantum National Bank Routing Number: 061104893

2.76% 12-Month CD, 2.97% 24-Month CD & Other High Rates at Quantum National Bank in GA - 5/21/2009

Update 6/27/09: The bank is now limiting CDs to Georgia residents. Some of the CD rates have fallen. As of 6/27/09, the 12-month rate is 2.66% APY and the 18-month rate is 2.82% APY.Quantum National Bank is offering several competitive rates for its mid-...

5.47% 12-Month CD and 4.51% Checking at Quantum National Bank - 3/7/2007

Quantum National Bank is offering a 5.47% APY 12-month certificate of deposit (see rate table). The minimum deposit is $1,000. It's also available as an IRA, however, according to the service rep only the regular CDs are available to out-of-state...

Report an Issue

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

Quantum National Bank Checking Account Rates

Apy	Min	Max	Product
0.10%	$10k	-	Hi-Rate Checking
0.10%	$10k	-	Community Checking

Quantum National Bank Savings Account Rates

	Apy	Min	Max	Product
	0.20%	-	-	Personal Savings

Quantum National Bank Money Market Rates

Apy	Min	Max	Product
0.70%	$100k	-	Hi-Rate Money Market (Personal)
0.60%	$100k	-	Hi-Rate Money Market (Business)

Quantum National Bank CD Rates

Apy	Min	Max	Product
1.55%	$1k	-	60 Month Relationship CD
1.40%	$1k	-	60 Month Non-Relationship CD
1.30%	$1k	-	48 Month Relationship CD
1.20%	$1k	-	36 Month Relationship CD
1.15%	$1k	-	48 Month Non-Relationship CD
1.05%	$1k	-	30 Month Relationship CD
1.05%	$1k	-	36 Month Non-Relationship CD
0.90%	$1k	-	24 Month Relationship CD
0.90%	$1k	-	30 Month Non-Relationship CD
0.75%	$1k	-	24 Month Non-Relationship CD
0.65%	$1k	-	18 Month Relationship CD
0.65%	$1k	-	18 Month Non-Relationship CD
0.55%	$1k	-	12 Month Relationship CD
0.55%	$1k	-	12 Month Non-Relationship CD
0.45%	$1k	-	9 Month Relationship CD
0.45%	$1k	-	9 Month Non-Relationship CD
0.35%	$1k	-	6 Month Relationship CD
0.35%	$1k	-	6 Month Non-Relationship CD
0.15%	$1k	-	3 Month Relationship CD
0.15%	$1k	-	3 Month Non-Relationship CD

Quantum National Bank IRA Rates

Apy	Min	Max	Product
1.55%	$1k	-	60 Month Relationship IRA
1.40%	$1k	-	60 Month Non-Relationship IRA
1.20%	$1k	-	36 Month Relationship IRA
1.05%	$1k	-	36 Month Non-Relationship IRA
0.90%	$1k	-	24 Month Relationship IRA
0.75%	$1k	-	24 Month Non-Relationship IRA
0.55%	$1k	-	12 Month Non-Relationship IRA
0.55%	$1k	-	12 Month Relationship IRA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

Quantum National Bank
FDIC Certificate #	34110
BankRate Report	View
Year Established	1995
Employees	46
Primary Regulator	OCC
Assets and Liabilities
Assets	$339.52 million
Loans	$274.72 million
Deposits	$292.18 million
Equity Capital	$35.71 million
Loan Loss Allowance	$5.27 million
Unbacked Noncurrent Loans	$9.23 million
Real Estate Owned	$9.37 million
Historic Data - March 2011
Assets	$349.18 million
Equity Capital	$33.25 million
Loan Loss Allowance	$6.15 million
Unbacked Noncurrent Loans	$4.06 million
Real Estate Owned	$12.65 million
Profit Margin - Quarterly
Net Interest Margin	4.46%
Return on Assets	1.14%
Return on Equity	11.03%
Interest Income	$4.09 million

Institution Health

Overall Score:

3 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 Quantum National Bank had $18.6 million in non-current loans and owned real-estate with $40.98 million in equity and loan loss allowances on hand to cover it. This gives Quantum National Bank a Texas Ratio of 45.39% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Quantum National Bank held steady from 41.14% as of March 31, 2011 to 45.39% as of March 31, 2012, resulting in a negative change of 10.31%. This indicates that the balance sheet and financial strength for Quantum National Bank has held steady in recent periods.
Deposit Growth
In the past year, Quantum National Bank has decreased its total deposits by -$11.26 million, resulting in -3.71% 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 Quantum National Bank has shown is below 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. Quantum National Bank has $339.52 million in assets with $40.98 million in equity, resulting in a capitalization level of 12.07%, which is excellent.