EnerBank USA

Overview / Commentary
1245 E. Brickyard Road, Suite 600
Salt Lake City, UT 84106

EnerBank USA is headquartered in Salt Lake City and is the 15th largest bank in the state of Utah. It is also the 397th largest bank in the nation. It was established in 2002 and as of March of 2019, it had grown to 322 employees at 1 location. EnerBank USA has an A+ health rating.

Good Experience

Posted by: MelissaTJ | Jun 27, 2018

Telephone application process was simple and painless. A decision made for an emergency HVAC replacement to keep cash. Plumbing company recommended. Documents arrived quickly and website efficient, making payments easy. Excellent early repayment offer.

Two Time Customer Rates A Positive Experience.

You assisted us twice in times of great need--much appreciated.

Online Account Access Is Non-Existent

Posted by: vzo | Dec 26, 2018

The only thing a customer can do online is pay their bill. One cannot see their account online, can't look up interest payments or see anything because there is NO ONLINE account information. Oh, but they are more than happy to FAX or MAIL the information to you. Their customer service is hamstrung. They can't even look up the info to give it to one over the phone. No place to sign in on their website. This also means that one's account can't be linked to Mint.com, where one can monitor all of their accounts in one place. It is all manual, which is archaic at the end of 2018. It is so frustrating. If it weren't for their wonderful customer service, good interest rate and ease of getting a loan, it would be unbearable. Oh, and they took my account off of auto payments after one year and told me it was in the fine print. REALLY?!! So my 13th payment was late (after a full year of on time payments) and they charged me a late fee! Thankfully, their customer service is good and they waived the fee, but what a hassle. No notice and they screwed up a perfectly good payment program. Why would they do that?!

Awesome Service

Wonderful service. Great people to talk to. When need a loan that help through the hole process



Health Grade Components

FDIC Certificate #57293
Year Established2002
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD2.03%
Return on Equity - YTD18.19%
Annual Interest Income$48.7MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$2.18B$1.46B
LoansQ1 2019vs Q1 2018$2.02B$1.35B
DepositsQ1 2019vs Q1 2018$1.91B$1.24B
Equity CapitalQ1 2019vs Q1 2018$239.0MM$199.1MM
Loan Loss AllowanceQ1 2019vs Q1 2018$25.4MM$20.6MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$5.4MM$3.6MM
Real Estate OwnedQ1 2019vs Q1 2018$0$0

Sorry, we do not have rate data for EnerBank USA.


EnerBank USA Locations
Enerbank Usa1245 E. Brickyard Road, Suite 600Salt Lake City, UT 84106

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