TriState Capital Direct

One Oxford Centre Suite 2700 301 Grant Street
Pittsburgh, PA 15219
1-866-680-TSCB (8722)
www.tscbankdirect.com
At TriState Capital Direct, we're leveraging the power of the Internet to create a superior deposit experience. TriState Capital Direct offers the best of an Internet bank, combined with the personal service you deserve.

TriState Capital Direct provides you with

Competitive Rates - Our "no-branch" model translates into great rates for you. Superior Service - Responsive service and straight talk from friendly, knowledgeable Customer Banking Associates. View your accounts 24/7 — Now you can view your accounts at the time that’s best for you—24 hours a day, 7 days a week via Web Banking.

TriState Capital Direct is a service of TriState Capital Bank, Member FDIC

Related Blog Posts

2.60% 24-Month CD at TriState Capital Direct - Available Nationwide - 7/16/2009

TriState Capital Direct is offering a few competitive rates on its Direct CDs. These include a 2.10% APY 12-month CD, a 2.60% APY 24-month CD and a 3.00% APY 36-month CD. One downside is a large minimum deposit of $95,000. There's also a money market...


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See Rates for: Money Market | CD

TriState Capital Direct Money Market Rates

ApyMinMaxProduct
1.30%$95k-Direct Money Market

TriState Capital Direct CD Rates

ApyMinMaxProduct
2.15%$95k-Direct 36 Month CD
1.75%$95k-Direct 24 Month CD
1.50%$95k-Direct 12 - 17 Month CD
1.50%$95k-Direct 18 - 23 Month CD
1.25%$95k-Direct 6 - 11 Month CD
0.40%$95k-Direct 3 - 5 Month CD

Rates updated: 9/9/2010

Institution Statistics


FDIC Certificate #58457
BankRate ReportView
Year Established2007
Employees94
Primary RegulatorFDIC

Assets and Liabilities

Assets$1.54 billion
Loans$1.19 billion
Deposits$1.37 billion
Equity Capital$161.73 million
Loan Loss Allowance$13.55 million
Unbacked Noncurrent Loans$4.93 million

Historic Data - June 2009

Assets$1.37 billion
Equity Capital$135.74 million
Loan Loss Allowance$13.55 million
Unbacked Noncurrent Loans$7.46 million

Profit Margin - Quarterly

Net Interest Margin2.85%
Return on Assets0.54%
Return on Equity5.73%
Interest Income$32.39 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio5
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 June 30, 2010 TriState Capital Direct had $4.93 million in non-current loans and owned real-estate with $175.28 million in equity and loan loss allowances on hand to cover it. This gives TriState Capital Direct a Texas Ratio of 2.81% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for TriState Capital Direct decreased slightly from 4.99% as of June 30, 2009 to 2.81% as of June 30, 2010, resulting in a positive change of 43.72%.This indicates that the balance sheet and financial strength for TriState Capital Direct has improved slightly in recent periods.
Deposit Growth5
In the past year, TriState Capital Direct has increased it's total deposits by $148.77 million, resulting in 12.2% 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 TriState Capital Direct has shown is excellent.
Capitalization3
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. TriState Capital Direct has $1.54 billion in assets with $175.28 million in equity, resulting in a capitalization level of 11.35%, which is average.
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