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505 Peachtree Industrial Boulevard
Suwanee, GA 30024

Quantum National Bank is headquartered in Suwanee and is the 45th largest bank in the state of Georgia. It is also the 1,915st largest bank in the nation. It was established in 1995 and as of March of 2014, it had grown to 44 employees at 2 locations. Quantum National Bank's money market rates are 14% higher than the national average, and it has a B+ health rating.

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Reviews (1)

Wonderful Bank & Real People

We have been doing business with Quantum Bank for several years.  The people there are wonderful to work with and you are treated like the valued customer you are.  They have always shown their appreciation for our business and they are willing to sit down and work out financial issues with you. Simply the BEST!!!


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 Quantum National Bank had $9.88 million in non-current loans and owned real-estate with $39.14 million in equity and loan loss allowances on hand to cover it. This gives Quantum National Bank a Texas Ratio of 25.23% 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 Quantum National Bank decreased dramatically from 41.52% as of March 31, 2013 to 25.23% as of March 31, 2014, resulting in a positive change of 39.23%.This indicates that the balance sheet and financial strength for Quantum National Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Quantum National Bank has increased its total deposits by $10.63 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 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. Quantum National Bank has $343.21 million in assets with $39.14 million in equity, resulting in a capitalization level of 11.41%, which is excellent.

Institution Statistics

FDIC Certificate #34110
Year Established1995
Primary RegulatorOCC
Assets and Liabilities
Assets$343.21 million
Loans$283.87 million
Deposits$297.37 million
Equity Capital$34.55 million
Loan Loss Allowance$4.60 million
Unbacked Noncurrent Loans$3.48 million
Real Estate Owned$6.40 million
Historic Data - March 2013
Assets$331.79 million
Equity Capital$33.34 million
Loan Loss Allowance$4.82 million
Unbacked Noncurrent Loans$3.48 million
Real Estate Owned$8.49 million
Profit Margin - Quarterly
Net Interest Margin4.98%
Return on Assets1.06%
Return on Equity10.53%
Interest Income$4.28 million

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Quantum National Bank Savings Account Rates

0.20%--Personal Savings

Quantum National Bank Money Market Rates

0.50%$250k-Hi-Rate Money Market (Personal)
0.50%$250k-Hi-Rate Money Market (Business)

Quantum National Bank Checking Account Rates

1.00%-$50kHi-Rate Checking - Partnership Rewards
1.00%-$50kSenior Hi-Rate Checking - Partnership Rewards
0.10%$10k-Hi-Rate Checking - Non Qualifying
0.10%$10k-Community Checking
0.10%$10k-Senior Hi-Rate Checking - Non Qualifying

Quantum National Bank CD Rates

1.27%$1k-60 Month Relationship CD
1.12%$1k-60 Month Non-Relationship CD
1.06%$1k-48 Month Relationship CD
0.91%$1k-48 Month Non-Relationship CD
0.87%$1k-36 Month Relationship CD
0.77%$1k-30 Month Relationship CD
0.72%$1k-36 Month Non-Relationship CD
0.67%$1k-24 Month Relationship CD
0.65%$100k-15 Month CD Special
0.62%$1k-30 Month Non-Relationship CD
0.52%$1k-24 Month Non-Relationship CD
0.42%$1k-18 Month Relationship CD
0.40%$1k-12 Month Relationship CD
0.37%$1k-18 Month Non-Relationship CD
0.35%$1k-12 Month Non-Relationship CD
0.30%$1k-9 Month Relationship CD
0.25%$1k-9 Month Non-Relationship CD
0.20%$1k-6 Month Relationship CD
0.15%$1k-6 Month Non-Relationship CD
0.10%$1k-3 Month Relationship CD
0.05%$1k-3 Month Non-Relationship CD

Quantum National Bank IRA Rates

1.27%$1k-60 Month Relationship IRA
1.12%$1k-60 Month Non-Relationship IRA
0.87%$1k-36 Month Relationship IRA
0.72%$1k-36 Month Non-Relationship IRA
0.67%$1k-24 Month Relationship IRA
0.52%$1k-24 Month Non-Relationship IRA
0.40%$1k-12 Month Relationship IRA
0.35%$1k-12 Month Non-Relationship IRA

Quantum National Bank Locations
Alpharetta Branch2875 Bethany RoadAlpharetta, GA 30004
Quantum National Bank505 Peachtree Industrial BoulevardSuwanee, GA 30024