Bank of Napa, N.A. operates as a community bank that provides personal and business banking services to individuals, small or medium sized businesses, professionals, and entrepreneurs.  The bank was established on August 14, 2006.  Bank of Napa, N.A. has been FDIC insured since August 14, 2006.  Bank of Napa, N.A. is chartered as a National Bank.  Therefore the primary regulator is the Office of the Comptroller of the Currency (OCC).

As of December 31, 2008 Bank of Napa had total assets of $60,992,000 and total deposits of $43,721,000.  The bank ended the year with approximately 17 full-time equivalent employees and a net loss of -$1,417,000.

Bank of Napa most recent performance ratios.
As of December 31, 2008:

Yield on earning assets 5.15%
Cost of funding earning assets 1.20% 
Net interest margin 3.95%
Return on assets (ROA) -2.62%
Return on equity (ROE) -8.15%
Noncurrent loans to loans 0
Equity capital to assets 27.89% 
Core capital (leverage) ratio 27.72% 
Tier 1 risk-based capital ratio 32.93% 
Total risk-based capital ratio 33.97%

Bank of Napa products and services:

Bank of Napa offers checking, money market, savings accounts, certificates of deposit, attorney trust, business checking account, analysis business checking accounts, business interest checking accounts, business money market account, business savings account, business certificates of deposit and cash management services.  The bank also offers home equity lines of credit, home equity loans, residential construction loans, personal overdraft protection, debit and credit cards, standby letters of credit, term loans, commercial real estate loans, and construction loans.  In addition, the bank offers online banking services.

Bank of Napa branch bank locations:

2007 Redwood Rd., Ste. 101
Napa, CA 94558
707-257-7777

Bank of Napa web address: www.thebankofnapa.com

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