Bank of the West is an FDIC insured institution headquartered at
180 Montgomery St, San Francisco, CA 94104.
Deposit Rates -
June 13, 2025
SAVINGS RATES
APY
MIN
Savings
0.01% $2,500
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CD RATES
APY
MIN
6 Mo CD
0.05% $10,000
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6 Mo CD
0.05% $100,000
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12 Mo CD
0.10% $10,000
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12 Mo CD
0.10% $100,000
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Special: 13 Mo CD
0.30% $2,500
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18 Mo CD
0.20% $10,000
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18 Mo CD
0.20% $100,000
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24 Mo CD
0.25% $10,000
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24 Mo CD
0.25% $100,000
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30 Mo CD
0.20% $10,000
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30 Mo CD
0.20% $100,000
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36 Mo CD
0.30% $10,000
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36 Mo CD
0.30% $100,000
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48 Mo CD
0.40% $10,000
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48 Mo CD
0.40% $100,000
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60 Mo CD
0.40% $10,000
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60 Mo CD
0.40% $100,000
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MM RATES
APY
MIN
Money Market
0.03% $2,500
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Money Market
0.03% $10,000
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Money Market
0.08% $25,000
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PREMM RATES
APY
MIN
Premium Money Market
0.07% $10,000
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Premium Money Market
0.12% $25,000
Compare
INT CHECKING RATES
APY
MIN
Int Ckg
0.01% $2,500
Loan Rates -
June 13, 2025
MORTGAGE PURCHASE
APR(%)
MONTHLY PAYMENT
5 Year Fixed Adjustable
8.84%
$6,450.23
15 Year Fixed Conforming
6.16%
$2,759.65
15 Year Fixed Jumbo
7.60%
$2,921.16
30 Year Fixed Jumbo
6.23%
$1,935.05
30 Year Fixed Conforming
6.73%
$2,123.17
MORTGAGE REFINANCE
APR(%)
MONTHLY PAYMENT
5 Year Fixed Adjustable
8.84%
$6,450.23
15 Year Fixed Conforming
6.16%
$2,759.65
15 Year Fixed Jumbo
7.60%
$2,921.16
30 Year Fixed Jumbo
6.23%
$1,935.05
30 Year Fixed Conforming
6.73%
$2,123.17
Overview 2025
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 3514
Date Established
1874
Assets
$ 94.49 billion
Loans
$ 59.57 billion
Deposits
$ 72.13 billion
Capital
$ 9.22 billion
Summary Balance Sheet as of December 31, 2024
ASSETS
Cash & Balances due from depository institutions
$ 3.11 billion
Interest-bearing balances
$ 2.28 billion
Total securities
$ 20.14 billion
Federal funds sold and reverse repurchase
N.A.
Net loans and leases
$ 59.57 billion
Loan loss allowance
$ 580.14 million
Trading account assets
$ 40.78 million
Bank premises and fixed assets
N.A.
Other real estate owned
$ 5.01 million
Goodwill and other intangibles
$ 4.22 billion
All other assets
$ 3.45 billion
Total Assets $ 82.36 billion
LIABILITIES
Total deposits
$ 72.13 billion
Interest-bearing deposits
$ 48.94 billion
Deposits held in domestic offices
$ 72.13 billion
% insured (estimated)" 49.34%
Federal funds purchased and repurchase agreements
$ 3.87 billion
Trading liabilities
$ 447.58 million
Other borrowed funds
$ 212.59 million
Subordinated debt
N.A.
All other liabilities
$ 1,126.95 millionn
Total Liabilities $ 82.36 billion
Shareholders’ Equity $ 12.13 billion
Summary Income Statement as of December 31, 2024
INCOME AND EXPENSES
Total Interest Income
$ 2.85 billion
Total Interest Expense
$ 383.98 million
Net interest income
$ 2.47 billion
Provision for loan and lease losses
N.A.
Total non interest income
$ 568.01 million
Total non interest expense
$ 2.00 billion
Pre-tax Net Operating Income
$ 572.97 million
Customer Reviews for Bank of the West
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