EnerBank USA


Overview / Commentary
888-390-1220
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 365th largest bank in the nation. It was established in 2002 and as of June of 2021, it had grown to 470 employees at 1 location. EnerBank USA has an A+ health rating.

Roof Replaced

Posted by: |

The process was easy and self explanatory. They kept you informed every step of the way!!

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).

Avoid Banking With This Mess

Horrible company to work with. Have had numberous bad experiences with their customer service. Their website is useless and displays no account info- it just allows you to send payment and nothing else. Also, I had sent in a check for my payment but they said they never received it so I paid online and put a stop payment on the missing check. I just got a notice that I am past due (not true) and that they're chraging me $30 because they DID receive the original check and tried to cash that in addition to the onine payment I'd already sent. Wish they would check the account balance prior to sending out collection notices. Now I've been on hold for 30 minutes trying to reach them to correct their mistake. Miserable lenders. Avoid!!

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Health
A+

Health Grade Components

Overall
FDIC Certificate #57293
Year Established2002
Employees470
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD3.57%
Return on Equity - YTD35.19%
Annual Interest Income$136.1MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$3.07B$2.84B
LoansQ2 2021vs Q2 2020$2.82B$2.60B
DepositsQ2 2021vs Q2 2020$2.67B$2.53B
Equity CapitalQ2 2021vs Q2 2020$341.0MM$249.7MM
Loan Loss AllowanceQ2 2021vs Q2 2020$119.6MM$103.5MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$5.1MM$5.8MM
Real Estate OwnedQ2 2021vs Q2 2020$0$0
Rates

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

Locations


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

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