American Bank

4029 West Tilghman Street
Allentown, PA 18104


General Bank Information

FDIC Insured Yes
FDIC Certificate # 34422
Date Established 1997
Assets $0.57 billion
Loans $0.43 billion
Deposits $0.41 billion
Capital $0.06 billion

American Bank is an FDIC insured institution located in Allentown, PA. It was founded in 1997 and has approximately $0.57 billion in assets.

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.

Bank Loan Profile?

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

Compared to other banks in Pennsylvania, American Bank has a significantly higher percent of Small Business Loans, Construction and Development 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 17.19
Credit Card Loans 0.09
Consumer Auto Loans 0.03
Small Business Loans 17.57
Construction and Development Loans 9.69
Commercial Real Estate 57.26
Commercial and Industrial Loans 10.94
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

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

Loan Rates

Your Current Location: Virginia, VA 20146

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:

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Featured - Virginia Home Equity Line Of Credit Rates 2018

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Third Federal Savings & Loan Assoc. of Cleveland 3.740% $231.27 Learn More
Flagstar Bank 5.240% $275.79 Learn More

Note to American Bank
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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
0.1% 8.32%

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 September 30, 2017, American Bank had $64,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $60,711,000 in equity and $6,080,000 in loans loss reserves. That gives it a Texas Ratio of 0.1%.

Return on Equity
American Bank U.S. Bank Average
9.73% 8.84%

American Bank has a Return on Equity of 9.73% versus the BestCashCow average of 8.84%. 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
10.67% 12.21%

American Bank has a Capitalization of 10.67% versus the BestCashCow average of 12.21. 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 September 30, 2017, American Bank had assets of $569,107,000, loans of $431,146,000, and deposits of $414,075,000. 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 American Bank

Branches and Savings

Is American Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34422.

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?

See branch locations nearby.

Is American Bank open on Saturdays?

Is American Bank open on Sundays?

What time does American Bank open?

What time does American Bank close?

Are American Bank ATMs Open 24/7?

Do American Bank ATMs accept cash deposits?

Can American Bank customers use other ATMs?

Do American Bank branches have notaries?

Will American Bank notarize my document?

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

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?

Does American Bank Use Equifax?

What is American Bank's ACH Routing Number?

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?

Will American Bank cash money orders?

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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