All America Bank

Headquarters

200 South Rockwell Avenue
Oklahoma City, OK 73128
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.91% →
1-Year CD 0.55% 1.01% →
2-Year CD 0.75% 0.95% →
5-Year CD 1.20% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

All America Bank is an FDIC insured institution located in Oklahoma City, OK. It was founded in 1969 and has approximately $0.45 billion in assets. Customers can open an account at one of its 7 branches.

FDIC Insured Yes
FDIC Certificate # 20093
Date Established 1969
Assets $ 453.20 million
Loans $ 365.06 million
Deposits $ 407.71 million
Capital $ 45.00 million
 

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

Deposit Rates - October 31, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.05% $10,000 $14,999 Learn More
Money Market
0.35% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.55% $10,000 $14,999 Learn More
12 Mo CD
0.55% $100,000 $199,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More
36 Mo CD
1.00% $10,000 $14,999 Learn More
36 Mo CD
1.00% $100,000 $199,999 Learn More
48 Mo CD
1.10% $10,000 $14,999 Learn More
48 Mo CD
1.10% $100,000 $199,999 Learn More
60 Mo CD
1.20% $10,000 $14,999 Learn More
60 Mo CD
1.20% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.15% $2,500 $3,499 Learn MoreShow Less
Checking Rates APY MIN FEE
Ultimate Rewards 1.00% $0 $0.00 Learn MoreShow Less

Loan Rates - October 31, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for All America 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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.558% 2.500% 0.75 $1,908 $988 Learn More
First Internet Bank
NMLS ID: 424182
2.562% 2.500% 0.75 $2,030 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to All America Bank
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Branches

All America 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


All America Bank Locations


Financial Details

All America Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of All America 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
All America Bank U.S. Bank Average
10.25% 6.94%

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 March 31, 2020, All America Bank had $4,843,000 in non-current loans and $207,000 in owned real estate. To cover these potential losses it had $44,999,000 in equity and $4,276,000 in loans loss reserves. That gives it a Texas Ratio of 10.25%.

Return on Equity
All America Bank U.S. Bank Average
15.43% 7.80%

All America Bank has a Return on Equity of 15.43% versus the BestCashCow average of 7.80%. 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
All America Bank U.S. Bank Average
9.93% 12.68%

All America Bank has a Capitalization of 9.93% versus the BestCashCow average of 12.68. 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.

All America Bank Balance Sheet Analysis

As of March 31, 2020, All America Bank had assets of $453,203,000, loans of $365,057,000, and deposits of $407,710,000. 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

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 8.00 million
Interest-bearing balances $ 1.66 million
Total securities $ 51.94 million
Federal funds sold and reverse repurchase $ 9.78 million
Net loans and leases $ 365.06 million
Loan loss allowance $ 4.28 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.21 million
Goodwill and other intangibles $ 3.01 million
All other assets $ 10.01 million
     Total Assets $ 408.20 million
LIABILITIES
Total deposits $ 407.71 million
      Interest-bearing deposits $ 349.23 million
      Deposits held in domestic offices $ 407.71 million
      % insured (estimated) 88.77%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.49 million
      Total Liabilities $ 408.20 million
      Shareholders’ Equity $ 45.00 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 6.22 million
Total Interest Expense $ 1.19 million
Net interest income $ 5.02 million
Provision for loan and lease losses $ 0.73 million
Total non interest income $ 0.60 million
Total non interest expense $ 3.16 million
Pre-tax Net Operating Income $ 1.73 million

Bank Loan Profile?

The top three loan types in All America Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Farm Loans.

Compared to other banks in Oklahoma, All America Bank has a significantly higher percent of Multifamily Mortgages 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 21.80
Multifamily
Mortgages
5.91
Credit Card Loans 0.00
Consumer Auto Loans 1.11
Small Business Loans 0.00
Construction and Development Loans 9.86
Commercial Real Estate 22.36
Commercial and Industrial Loans 6.00
Farm Loans 17.05

Frequently Asked Questions About All America Bank

Branches and Savings

Is All America Bank FDIC insured?

Yes. It is covered under FDIC Certificate #20093.

Why does All America Bank pay such low interest on savings accounts?

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

Why are All America Bank CD rates not competitive?

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

Is All America Bank a commercial bank?

Yes

Where are All America Bank locations?

See branch locations nearby.

Is All America Bank open on Saturdays?

Is All America Bank open on Sundays?

What time does All America Bank open?

What time does All America Bank close?

Are All America Bank ATMs Open 24/7?

Do All America Bank ATMs accept cash deposits?

Can All America Bank customers use other ATMs?

Do All America Bank branches have notaries?

Will All America Bank notarize my document?

What address for All America Bank should I put for incoming ACH transfers?

Will the All America Bank branch print checks?

Do All America Bank checks expire?

Does All America Bank require US citizenship to open account?

Can All America Bank close my account?

Does All America Bank Report to credit bureaus?

Does All America Bank Use Equifax?

What is All America Bank's ACH Routing Number?

What is All America Bank's SWIFT code?

Products

Does All America Bank offer mortgages?

Compare mortgage rates here.

Does All America Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does All America Bank offer personal loans?

Compare personal loan rates here.

Does All America Bank offer student loans?

Will All America Bank cash a check?

Will All America Bank redeem a savings bond?

Does All America Bank cash savings bonds?

Will All America Bank cash money orders?

Can All America Bank issue a money order?

Does All America Bank do currency exchange?

Background on The Bank

Who owns All America Bank?

How long has All America Bank been around?

Can All America Bank transfer to other banks?

Does All America Bank have quick pay?

Does All America Bank accept rolled coins?

Will All America Bank accept loose change?

Where is All America Bank headquarters?

Customer Reviews for All America Bank


  • February 25, 2016

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