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 16th largest bank in the state of Utah. It is also the 364th largest bank in the nation. It was established in 2002 and as of March of 2021, it had grown to 432 employees at 1 location. EnerBank USA has an A+ health rating.


Posted by: |

it was a pleasure working with Brendan, and giving us an opportunity to be one of your customers ....thank you for making the process painless and affordable ...I would definitely recommend your services to friends and family!

Great Experience

Posted by: |

Process was quick and easy online with an immediate answer. Enerbank followed up with a call to ask if I had any questions and verified that we were happy with the completed project and contractor. I highly recommend them!

I Like The Bank

Posted by: |

I really like the bank for it's 0 interest home imporvement loans, but I wish they would send year-end or quarterly statements indicating the outstanding balance.  Even if only available electronically.


They only send out payment coupon books (antiquated) and nothing else. 

Avoid, Avoid, Avoid

Posted by: |

Financed the purchase of a new furnace, air conditioner and water heater through Enerbank (rough year) through our installer. Filled out the loan information (we have 800+ credit) and was quickly approved. Only learn after the fact that that 1) there is no online means of making payments; 2) there are no online means of getting your balance or confirmation of payments; 3) company doesn't issue statements monthly or yearly for that matter; 4) on their contact page, there is no means to e-mail them - just voice numbers. What company or banking institution in this day DOESN'T have some online presence or means of conducting business electronically? The only explanation is that their intent is to defraud their customers. Unbelievable. As such, we've tripled the payments we're making (hopefully their being received!) each month with the intent of getting rid of them. I will say that their customer service reps are always courteous, and state that some online method of tracking balances is forthcoming (6 months now of saying that).



Health Grade Components

FDIC Certificate #57293
Year Established2002
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD4.16%
Return on Equity - YTD43.1%
Annual Interest Income$68.7MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$3.11B$2.67B
LoansQ1 2021vs Q1 2020$2.71B$2.44B
DepositsQ1 2021vs Q1 2020$2.73B$2.39B
Equity CapitalQ1 2021vs Q1 2020$318.2MM$241.6MM
Loan Loss AllowanceQ1 2021vs Q1 2020$118.0MM$98.4MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$6.8MM$7.7MM
Real Estate OwnedQ1 2021vs Q1 2020$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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