Affiliated Bank, National Association

Headquarters

500 Harwood Rd.
Bedford, TX 76021
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 1.40% →
1-Year CD 1.00% 1.15% →
2-Year CD 1.00% 1.26% →
5-Year CD 1.00% 2.25% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Affiliated Bank, National Association is an FDIC insured institution located in Bedford, TX. It was founded in 1959 and has approximately $0.97 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 34885
Date Established 1959
Assets $ 973.11 million
Loans $ 797.40 million
Deposits $ 811.60 million
Capital $ 139.21 million
 

For a more detailed analysis of Affiliated Bank, National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 3, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.15% $2,000 $74,999 Learn More
Money Market
0.10% $2,500 $24,999 Learn More
Money Market
0.15% $25,000 $99,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.50% $1,000 $49,999 Learn More
3 Mo CD
0.50% $90,000 - Learn More
6 Mo CD
0.75% $1,000 $49,999 Learn More
6 Mo CD
0.75% $90,000 - Learn More
12 Mo CD
1.00% $1,000 $49,999 Learn More
12 Mo CD
1.00% $90,000 - Learn More
18 Mo CD
1.00% $1,000 $49,999 Learn More
18 Mo CD
1.00% $90,000 - Learn More
24 Mo CD
1.00% $1,000 $49,999 Learn More
24 Mo CD
1.00% $90,000 - Learn More
36 Mo CD
1.00% $1,000 $49,999 Learn More
36 Mo CD
1.00% $90,000 - Learn More
48 Mo CD
1.00% $1,000 $49,999 Learn More
48 Mo CD
1.00% $90,000 - Learn More
60 Mo CD
1.00% $1,000 $49,999 Learn More
60 Mo CD
1.00% $90,000 - Learn More

Variable IRA Rates APY MIN MAX
Var IRA
0.05% $25 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1,500 - Learn MoreShow Less

Loan Rates - July 3, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Affiliated Bank, National Association

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.039% 3.000% 0.50 $1,250 $1,055 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

Note to Affiliated Bank, National Association
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Branches

Affiliated Bank, National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Affiliated Bank, National Association Locations


Financial Details

Affiliated Bank, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Affiliated Bank, National Association. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Affiliated Bank, National Association U.S. Bank Average
1.64% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2019, Affiliated Bank, National Association had $2,349,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $139,212,000 in equity and $3,935,000 in loans loss reserves. That gives it a Texas Ratio of 1.64%.

Return on Equity
Affiliated Bank, National Association U.S. Bank Average
6.14% 9.41%

Affiliated Bank, National Association has a Return on Equity of 6.14% versus the BestCashCow average of 9.41%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Affiliated Bank, National Association U.S. Bank Average
14.31% 12.82%

Affiliated Bank, National Association has a Capitalization of 14.31% versus the BestCashCow average of 12.82. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Affiliated Bank, National Association Balance Sheet Analysis

As of December 31, 2019, Affiliated Bank, National Association had assets of $973,107,000, loans of $797,404,000, and deposits of $811,595,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2019
ASSETS
Cash & Balances due from depository institutions $ 106.43 million
Interest-bearing balances $ 99.56 million
Total securities N.A.
Federal funds sold and reverse repurchase $ 2.27 million
Net loans and leases $ 797.40 million
Loan loss allowance $ 3.94 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 36.59 million
All other assets $ 12.45 million
     Total Assets $ 833.90 million
LIABILITIES
Total deposits $ 811.60 million
      Interest-bearing deposits $ 688.21 million
      Deposits held in domestic offices $ 811.60 million
      % insured (estimated) 68.85%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 17.00 million
Subordinated debt N.A.
All other liabilities $ 5.30 million
      Total Liabilities $ 833.90 million
      Shareholders’ Equity $ 139.21 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 49.25 million
Total Interest Expense $ 13.50 million
Net interest income $ 35.75 million
Provision for loan and lease losses $ 2.28 million
Total non interest income $ 10.66 million
Total non interest expense $ 34.85 million
Pre-tax Net Operating Income $ 9.27 million

Bank Loan Profile?

The top three loan types in Affiliated Bank, National Association’s loan portfolio are 1-4 Family Residential Loans, Construction and Development Loans, and Commercial Real Estate.

Compared to other banks in Texas, Affiliated Bank, National Association has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 29.80
Multifamily
Mortgages
0.50
Credit Card Loans 0.00
Consumer Auto Loans 0.12
Small Business Loans 7.56
Construction and Development Loans 28.08
Commercial Real Estate 25.25
Commercial and Industrial Loans 14.93
Farm Loans 0.00

Frequently Asked Questions About Affiliated Bank, National Association

Branches and Savings

Is Affiliated Bank, National Association FDIC insured?

Yes. It is covered under FDIC Certificate #34885.

Why does Affiliated Bank, National Association pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Affiliated Bank, National Association CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Affiliated Bank, National Association a commercial bank?

Yes

Where are Affiliated Bank, National Association locations?

See branch locations nearby.

Is Affiliated Bank, National Association open on Saturdays?

Is Affiliated Bank, National Association open on Sundays?

What time does Affiliated Bank, National Association open?

What time does Affiliated Bank, National Association close?

Are Affiliated Bank, National Association ATMs Open 24/7?

Do Affiliated Bank, National Association ATMs accept cash deposits?

Can Affiliated Bank, National Association customers use other ATMs?

Do Affiliated Bank, National Association branches have notaries?

Will Affiliated Bank, National Association notarize my document?

What address for Affiliated Bank, National Association should I put for incoming ACH transfers?

Will the Affiliated Bank, National Association branch print checks?

Do Affiliated Bank, National Association checks expire?

Does Affiliated Bank, National Association require US citizenship to open account?

Can Affiliated Bank, National Association close my account?

Does Affiliated Bank, National Association Report to credit bureaus?

Does Affiliated Bank, National Association Use Equifax?

What is Affiliated Bank, National Association's ACH Routing Number?

What is Affiliated Bank, National Association's SWIFT code?

Products

Does Affiliated Bank, National Association offer mortgages?

Compare mortgage rates here.

Does Affiliated Bank, National Association offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Affiliated Bank, National Association offer personal loans?

Compare personal loan rates here.

Does Affiliated Bank, National Association offer student loans?

Will Affiliated Bank, National Association cash a check?

Will Affiliated Bank, National Association redeem a savings bond?

Does Affiliated Bank, National Association cash savings bonds?

Will Affiliated Bank, National Association cash money orders?

Can Affiliated Bank, National Association issue a money order?

Does Affiliated Bank, National Association do currency exchange?

Background on The Bank

Who owns Affiliated Bank, National Association?

How long has Affiliated Bank, National Association been around?

Can Affiliated Bank, National Association transfer to other banks?

Does Affiliated Bank, National Association have quick pay?

Does Affiliated Bank, National Association accept rolled coins?

Will Affiliated Bank, National Association accept loose change?

Where is Affiliated Bank, National Association headquarters?

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