American Bank


676 West Johnson Street
Fond Du Lac, WI 54935
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

American Bank is an FDIC insured institution located in Fond Du Lac, WI. It was founded in 1968 and has approximately $0.45 billion in assets.

FDIC Insured Yes
FDIC Certificate # 19838
Date Established 1968
Assets $ 451.45 million
Loans $ 316.58 million
Deposits $ 376.26 million
Capital $ 58.20 million

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

Deposit Rates - September 22, 2021

Your Current Location: California, CA 92111


Loan Rates - September 22, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for American Bank

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

Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 1907
2.808% 2.750%
-0.25 points
$1,875 fees
$1,021 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.787% 2.750%
0.50 points
$1,188 fees
$1,021 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to American Bank
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American 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:
San Diego,California

American Bank Locations

Financial Details

American Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American 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
American Bank U.S. Bank Average
1.49% 5.29%

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, 2021, American Bank had $1,005,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $58,202,000 in equity and $9,467,000 in loans loss reserves. That gives it a Texas Ratio of 1.49%.

Return on Equity
American Bank U.S. Bank Average
8.48% 11.43%

American Bank has a Return on Equity of 8.48% versus the BestCashCow average of 11.43%. 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.

American Bank U.S. Bank Average
12.89% 11.51%

American Bank has a Capitalization of 12.89% versus the BestCashCow average of 11.51. 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.

American Bank Balance Sheet Analysis

As of June 30, 2016, American Bank had assets of $451,447,000, loans of $316,577,000, and deposits of $376,263,000. 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, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 316.58 million
Loan loss allowance $ 9.47 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 376.26 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 451.45 million

Summary Income Statement

March 31, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

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

Compared to other banks in Wisconsin, American Bank has a significantly higher percent of Small Business Loans, 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 17.84
Credit Card Loans 0.03
Consumer Auto Loans 0.04
Small Business Loans 10.53
Construction and Development Loans 15.58
Commercial Real Estate 39.15
Commercial and Industrial Loans 23.41
Farm Loans 0.00

Frequently Asked Questions About American Bank

Branches and Savings

Is American Bank FDIC insured?

Yes. It is covered under FDIC Certificate #19838.

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

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

Why are American Bank CD rates not competitive?

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

Is American Bank a commercial bank?


Where are American Bank locations?

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Is American Bank open on Saturdays?

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Are American Bank ATMs Open 24/7?

Do American Bank ATMs accept cash deposits?

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Will the American Bank branch print checks?

Do American Bank checks expire?

Does American Bank require US citizenship to open account?

Can American Bank close my account?

Does American Bank Report to credit bureaus?

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What is American Bank's SWIFT code?


Does American Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does American Bank offer personal loans?

Compare personal loan rates here.

Does American Bank offer student loans?

Will American Bank cash a check?

Will American Bank redeem a savings bond?

Does American Bank cash savings bonds?

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Can American Bank issue a money order?

Does American Bank do currency exchange?

Background on The Bank

Who owns American Bank?

How long has American Bank been around?

Can American Bank transfer to other banks?

Does American Bank have quick pay?

Does American Bank accept rolled coins?

Will American Bank accept loose change?

Where is American Bank headquarters?

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