Albina Community Bank

2002 N.E. Martin Luther King Jr Boulevard
Portland, OR 97212

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 34106
Date Established 1995
Assets $0.18 billion
Loans $0.12 billion
Deposits $0.16 billion
Capital $0.02 billion

Albina Community Bank is an FDIC insured institution located in Portland, OR. It was founded in 1995 and has approximately $0.18 billion in assets. Customers can open an account at one of its 5 branches.

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

Bank Loan Profile?

The top three loan types in Albina Community Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and Commercial and Industrial Loans.

Compared to other banks in Oregon, Albina Community Bank has a significantly higher percent of Credit Card Loans, Small Business Loans, Commercial Real Estate 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 7.57
Multifamily
Mortgages
6.48
Credit Card Loans 0.53
Consumer Auto Loans 0.00
Small Business Loans 34.21
Construction and Development Loans 3.25
Commercial Real Estate 61.37
Commercial and Industrial Loans 22.98
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.10% $100 - Learn MoreShow Less
6 Mo CD 10K
0.15% $100 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.10% $50 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.20% $100 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.05% $100 $9,999 Learn MoreShow Less
MM 10K
0.10% $10,000 - Learn MoreShow Less
PREMM Rates APY MIN MAX
Premium MM 10K
0.15% $10,000 $249,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $100 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Albina Community Bank

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Albina Community Bank
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Branches

Albina Community Bank 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:
Ashburn,Virginia


Albina Community Bank Locations

Financial Details

Albina Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Albina Community Bank. 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
Albina Community Bank U.S. Bank Average
0.02% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Albina Community Bank had $5,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $17,340,000 in equity and $2,723,000 in loans loss reserves. That gives it a Texas Ratio of 0.02%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Albina Community Bank U.S. Bank Average
-3.09% 8.58

Albina Community Bank has a Return on Equity of -3.09% versus the BestCashCow average of 8.58. 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
Albina Community Bank U.S. Bank Average
9.51% 12.11

Albina Community Bank has a Capitalization of 9.51% versus the BestCashCow average of 12.11. 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.

Albina Community Bank Balance Sheet Analysis

As of June 30, 2017, Albina Community Bank had assets of $182,328,000, loans of $118,922,000, and deposits of $162,676,000. 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.

Frequently Asked Questions About Albina Community Bank

Branches and Savings

Is Albina Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34106.

Why does Albina Community Bank pay such low interest on savings accounts?

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

Why are Albina Community Bank CD rates not competitive?

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

Is Albina Community Bank a commercial bank?

Yes

Where are Albina Community Bank locations?

See branch locations nearby.

Is Albina Community Bank open on Saturdays?

Is Albina Community Bank open on Sundays?

What time does Albina Community Bank open?

What time does Albina Community Bank close?

Are Albina Community Bank ATMs Open 24/7?

Do Albina Community Bank ATMs accept cash deposits?

Can Albina Community Bank customers use other ATMs?

Do Albina Community Bank branches have notaries?

Will Albina Community Bank notarize my document?

What address for Albina Community Bank should I put for incoming ACH transfers?

Will the Albina Community Bank branch print checks?

Do Albina Community Bank checks expire?

Does Albina Community Bank require US citizenship to open account?

Can Albina Community Bank close my account?

Does Albina Community Bank Report to credit bureaus?

Does Albina Community Bank Use Equifax?

What is Albina Community Bank's ACH Routing Number?

What is Albina Community Bank's SWIFT code?

Products

Does Albina Community Bank offer mortgages?

Compare mortgage rates here.

Does Albina Community Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Albina Community Bank offer personal loans?

Compare personal loan rates here.

Does Albina Community Bank offer student loans?

Will Albina Community Bank cash a check?

Will Albina Community Bank redeem a savings bond?

Does Albina Community Bank cash savings bonds?

Will Albina Community Bank cash money orders?

Can Albina Community Bank issue a money order?

Does Albina Community Bank do currency exchange?

Background on The Bank

Who owns Albina Community Bank?

How long has Albina Community Bank been around?

Can Albina Community Bank transfer to other banks?

Does Albina Community Bank have quick pay?

Does Albina Community Bank accept rolled coins?

Will Albina Community Bank accept loose change?

Where is Albina Community Bank headquarters?

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