Ameriana Bank

2118 Bundy Avenue
New Castle, IN 47362

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 29031
Date Established 1890
Assets $0.48 billion
Loans $0.32 billion
Deposits $0.39 billion
Capital $0.05 billion

Ameriana Bank is an FDIC insured institution located in New Castle, IN. It was founded in 1890 and has approximately $0.46 billion in assets. Customers can open an account at one of its 6 branches.

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

Deposit Rates - October 22, 2019

Your Current Location: Virginia, VA 20146

There are currently no rates available for Ameriana Bank, but see these great savings and CD rates:

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Loan Rates - October 22, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Ameriana 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 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.630% 3.625% 0.00 $142 $1,141 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.990 %
$0 Learn More
More Info

Note to Ameriana Bank
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Ameriana Bank Locations

Financial Details

Ameriana Bank Ratio Analysis

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

Texas Ratio
Ameriana Bank U.S. Bank Average
21.99% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 June 30, 2019, Ameriana Bank had $4,571,000 in non-current loans and $6,606,000 in owned real estate. To cover these potential losses it had $46,854,000 in equity and $3,984,000 in loans loss reserves. That gives it a Texas Ratio of 21.99%.

Return on Equity
Ameriana Bank U.S. Bank Average
5.74% 9.50%

Ameriana Bank has a Return on Equity of 5.74% versus the BestCashCow average of 9.50%. 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.

Ameriana Bank U.S. Bank Average
9.76% 12.76%

Ameriana Bank has a Capitalization of 9.76% versus the BestCashCow average of 12.76. 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.

Ameriana Bank Balance Sheet Analysis

As of March 31, 2015, Ameriana Bank had assets of $462,551,000, loans of $320,636,000, and deposits of $394,340,000. 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

June 30, 2019
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.32 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.01 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.00 billion
Total deposits $0.39 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.00 billion
      Shareholders’ Equity $0.48 billion

Summary Income Statement

June 30, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Ameriana Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Indiana, Ameriana Bank has a significantly higher percent of 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 44.96
Credit Card Loans 0.00
Consumer Auto Loans 0.36
Small Business Loans 10.64
Construction and Development Loans 5.74
Commercial Real Estate 35.65
Commercial and Industrial Loans 8.53
Farm Loans 0.00

Frequently Asked Questions About Ameriana Bank

Branches and Savings

Is Ameriana Bank FDIC insured?

Yes. It is covered under FDIC Certificate #29031.

Why does Ameriana Bank pay such low interest on savings accounts?

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

Why are Ameriana Bank CD rates not competitive?

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

Is Ameriana Bank a commercial bank?


Where are Ameriana Bank locations?

See branch locations nearby.

Is Ameriana Bank open on Saturdays?

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Are Ameriana Bank ATMs Open 24/7?

Do Ameriana Bank ATMs accept cash deposits?

Can Ameriana Bank customers use other ATMs?

Do Ameriana Bank branches have notaries?

Will Ameriana Bank notarize my document?

What address for Ameriana Bank should I put for incoming ACH transfers?

Will the Ameriana Bank branch print checks?

Do Ameriana Bank checks expire?

Does Ameriana Bank require US citizenship to open account?

Can Ameriana Bank close my account?

Does Ameriana Bank Report to credit bureaus?

Does Ameriana Bank Use Equifax?

What is Ameriana Bank's ACH Routing Number?

What is Ameriana Bank's SWIFT code?


Does Ameriana Bank offer mortgages?

Compare mortgage rates here.

Does Ameriana Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Ameriana Bank offer personal loans?

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Does Ameriana Bank offer student loans?

Will Ameriana Bank cash a check?

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Does Ameriana Bank cash savings bonds?

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Background on The Bank

Who owns Ameriana Bank?

How long has Ameriana Bank been around?

Can Ameriana Bank transfer to other banks?

Does Ameriana Bank have quick pay?

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