Allied First Bank,sb

3201 Orchard Rd
Oswego, IL 60543

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 55130
Date Established 1994
Assets $0.10 billion
Loans $0.05 billion
Deposits $0.09 billion
Capital $0.01 billion

Allied First Bank,sb is an FDIC insured institution located in Oswego, IL. It was founded in 1994 and has approximately $0.1 billion in assets.

For a more detailed analysis of Allied First Bank,sb'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 Allied First Bank,sb’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Illinois, Allied First Bank,sb has a significantly higher percent of 1-4 Family Residential 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 72.71
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.17
Small Business Loans 0.00
Construction and Development Loans 1.86
Commercial Real Estate 12.92
Commercial and Industrial Loans 11.09
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
03MCD10K 0.40% $500 $49,999 Learn MoreShow Less
3 Mo CD 100K 0.40% $50,000 - Learn MoreShow Less
06MCD10K 0.45% $500 $49,999 Learn MoreShow Less
6 Mo CD 100K 0.45% $50,000 - Learn MoreShow Less
12MCD10K 0.60% $500 $49,999 Learn MoreShow Less
12 Mo CD 100K 0.60% $50,000 - Learn MoreShow Less
18MCD10K 0.75% $500 $49,999 Learn MoreShow Less
18 Mo CD 100K 0.75% $50,000 - Learn MoreShow Less
24MCD10K 1.00% $500 $49,999 Learn MoreShow Less
24 Mo CD 100K 1.00% $50,000 - Learn MoreShow Less
36MCD10K 1.11% $500 $49,999 Learn MoreShow Less
36 Mo CD 100K 1.11% $50,000 - Learn MoreShow Less
48MCD10K 1.21% $500 $49,999 Learn MoreShow Less
48 Mo CD 100K 1.21% $50,000 - Learn MoreShow Less
60MCD10K 1.41% $500 $49,999 Learn MoreShow Less
60 Mo CD 100K 1.41% $50,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K 0.11% $1 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
FIXIRA0K 0.60% $500 $49,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
VARIRA0K 0.36% $2,000 $24,999 Learn MoreShow Less
MM Rates APY MIN MAX
MM10K 0.40% $2,000 $24,999 Learn MoreShow Less
MM25K 0.55% $25,000 $74,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
INTCK2.5K 0.17% $2,000 $24,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

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Branches

Allied First Bank,sb 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


Allied First Bank,sb Locations

Financial Details

Allied First Bank,sb Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Allied First Bank,sb. 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
Allied First Bank,sb U.S. Bank Average
18.02% 8.87%

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 March 31, 2017, Allied First Bank,sb had $1,842,000 in non-current loans and $122,000 in owned real estate. To cover these potential losses it had $10,195,000 in equity and $704,000 in loans loss reserves. That gives it a Texas Ratio of 18.02%. 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
Allied First Bank,sb U.S. Bank Average
2.44% 8.39%

Allied First Bank,sb has a Return on Equity of 2.44% versus the BestCashCow average of 8.39%. 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
Allied First Bank,sb U.S. Bank Average
10.46% 11.94%

Allied First Bank,sb has a Capitalization of 10.46% versus the BestCashCow average of 11.94%. 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.

Allied First Bank,sb Balance Sheet Analysis

As of March 31, 2017, Allied First Bank,sb had assets of $97,508,000, loans of $53,232,000, and deposits of $86,084,000. 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.

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