American Bank Center

140 1st Avenue West
Dickinson, ND 58601


General Bank Information

FDIC Insured Yes
FDIC Certificate # 22559
Date Established 1977
Assets $1.37 billion
Loans $0.83 billion
Deposits $1.24 billion
Capital $0.12 billion

American Bank Center is an FDIC insured institution located in Dickinson, ND. It was founded in 1977 and has approximately $1.37 billion in assets. Customers can open an account at one of its 17 branches.

For a more detailed analysis of American Bank Center'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 Center’s loan portfolio are Commercial Real Estate, Farm Loans, and Commercial and Industrial Loans.

Compared to other banks in North Dakota, American Bank Center has a significantly higher percent of Credit Card Loans, Consumer Auto 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 8.68
Credit Card Loans 0.42
Consumer Auto Loans 9.79
Small Business Loans 6.38
Construction and Development Loans 4.86
Commercial Real Estate 27.34
Commercial and Industrial Loans 10.49
Farm Loans 14.50

Savings Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.05% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.10% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.01% $25 - Learn MoreShow Less
Fixed IRA 0K
0.20% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.10% $500 - Learn MoreShow Less
MM 2.5K
0.05% $2,500 $4,999 Learn MoreShow Less
MM 10K
0.07% $10,000 - Learn MoreShow Less
Premium MM 10K
0.07% $10,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.01% $1,000 $24,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for American Bank Center

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 2017

Lender APR Rate (%) Points Fees Monthly
Learn More
US Wide Financial
NMLS ID: 55028
License#: MC-5809
3.771% 3.750% 0.00 $642 $1,158 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to American Bank Center
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American Bank Center branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Financial Details

American Bank Center Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American Bank Center. 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 Center U.S. Bank Average
13.09% 8.45

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 June 30, 2017, American Bank Center had $18,127,000 in non-current loans and $41,000 in owned real estate. To cover these potential losses it had $123,181,000 in equity and $15,607,000 in loans loss reserves. That gives it a Texas Ratio of 13.09%. 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
American Bank Center U.S. Bank Average
6.22% 8.58

American Bank Center has a Return on Equity of 6.22% versus the BestCashCow average of 8.58. 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 Center U.S. Bank Average
8.97% 12.11

American Bank Center has a Capitalization of 8.97% versus the BestCashCow average of 12.11. 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 Center Balance Sheet Analysis

As of June 30, 2017, American Bank Center had assets of $1,372,691,000, loans of $827,646,000, and deposits of $1,236,271,000. 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 Center

Branches and Savings

Is American Bank Center FDIC insured?

Yes. It is covered under FDIC Certificate #22559.

Why does American Bank Center 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 Center CD rates not competitive?

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

Is American Bank Center a commercial bank?


Where are American Bank Center locations?

See branch locations nearby.

Is American Bank Center open on Saturdays?

Is American Bank Center open on Sundays?

What time does American Bank Center open?

What time does American Bank Center close?

Are American Bank Center ATMs Open 24/7?

Do American Bank Center ATMs accept cash deposits?

Can American Bank Center customers use other ATMs?

Do American Bank Center branches have notaries?

Will American Bank Center notarize my document?

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

Will the American Bank Center branch print checks?

Do American Bank Center checks expire?

Does American Bank Center require US citizenship to open account?

Can American Bank Center close my account?

Does American Bank Center Report to credit bureaus?

Does American Bank Center Use Equifax?

What is American Bank Center's ACH Routing Number?

What is American Bank Center's SWIFT code?


Does American Bank Center offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does American Bank Center offer personal loans?

Compare personal loan rates here.

Does American Bank Center offer student loans?

Will American Bank Center cash a check?

Will American Bank Center redeem a savings bond?

Does American Bank Center cash savings bonds?

Will American Bank Center cash money orders?

Can American Bank Center issue a money order?

Does American Bank Center do currency exchange?

Background on The Bank

Who owns American Bank Center?

How long has American Bank Center been around?

Can American Bank Center transfer to other banks?

Does American Bank Center have quick pay?

Does American Bank Center accept rolled coins?

Will American Bank Center accept loose change?

Where is American Bank Center headquarters?

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