American Bank Center


140 1st Avenue West
Dickinson, ND 58601
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.01% 1.40% →
1-Year CD 0.45% 1.15% →
2-Year CD 0.50% 1.26% →
5-Year CD 1.05% 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

American Bank Center is an FDIC insured institution located in Dickinson, ND. It was founded in 1977 and has approximately $1.67 billion in assets. Customers can open an account at one of its 18 branches.

FDIC Insured Yes
FDIC Certificate # 22559
Date Established 1977
Assets $ 1,671.86 million
Loans $ 1,069.41 million
Deposits $ 1,495.39 million
Capital $ 163.74 million

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.

Deposit Rates - July 2, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.01% $25 - Learn More
Money Market
0.10% $2,500 $4,999 Learn More
Money Market
0.10% $10,000 - Learn More
Premium Money Market Account
0.10% $10,000 $49,999 Learn More
3 Mo CD
0.10% $1,000 - Learn More
Special: 6 Mo CD
0.40% $1,000 - Learn More
6 Mo CD
0.25% $1,000 - Learn More
Special: 9 Mo CD
0.65% $1,000 - Learn More
12 Mo CD
0.45% $1,000 - Learn More
18 Mo CD
0.45% $1,000 - Learn More
24 Mo CD
0.50% $1,000 - Learn More
30 Mo CD
0.50% $1,000 - Learn More
36 Mo CD
0.75% $1,000 - Learn More
48 Mo CD
1.00% $1,000 - Learn More
60 Mo CD
1.05% $1,000 - Learn More

Fixed IRA
0.45% $500 - Learn MoreShow Less
Special: 36 Mo FIRA
0.65% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.25% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $1,000 $24,999 Learn MoreShow Less

Loan Rates - July 2, 2020

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.039% 3.000% 0.50 $1,250 $1,055 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

Note to American Bank Center
To upload and update your bank's rates please register. It is free to register and add rates.


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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
9.06% 6.51%

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 December 31, 2019, American Bank Center had $14,890,000 in non-current loans and $1,481,000 in owned real estate. To cover these potential losses it had $163,742,000 in equity and $16,948,000 in loans loss reserves. That gives it a Texas Ratio of 9.06%.

Return on Equity
American Bank Center U.S. Bank Average
15.22% 9.41%

American Bank Center has a Return on Equity of 15.22% versus the BestCashCow average of 9.41%. 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
9.79% 12.82%

American Bank Center has a Capitalization of 9.79% versus the BestCashCow average of 12.82. 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 December 31, 2019, American Bank Center had assets of $1,671,856,000, loans of $1,069,413,000, and deposits of $1,495,387,000. 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

December 31, 2019
Cash & Balances due from depository institutions $ 59.94 million
Interest-bearing balances $ 26.98 million
Total securities $ 451.18 million
Federal funds sold and reverse repurchase $ 23.00 million
Net loans and leases $ 1,069.41 million
Loan loss allowance $ 16.95 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.48 million
Goodwill and other intangibles $ 9.38 million
All other assets $ 22.92 million
     Total Assets $ 1,508.11 million
Total deposits $ 1,495.39 million
      Interest-bearing deposits $ 1,217.14 million
      Deposits held in domestic offices $ 1,495.39 million
      % insured (estimated) 96.88%
Federal funds purchased and repurchase agreements $ 2.44 million
Trading liabilities N.A.
Other borrowed funds $ 1.00 million
Subordinated debt N.A.
All other liabilities $ 9.29 million
      Total Liabilities $ 1,508.11 million
      Shareholders’ Equity $ 163.74 million

Summary Income Statement

December 31, 2019
Total Interest Income $ 60.72 million
Total Interest Expense $ 9.46 million
Net interest income $ 51.27 million
Provision for loan and lease losses $ 2.00 million
Total non interest income $ 20.78 million
Total non interest expense $ 43.50 million
Pre-tax Net Operating Income $ 26.55 million

Bank Loan Profile?

The top three loan types in American Bank Center’s loan portfolio are Commercial Real Estate, Consumer Auto Loans, and Farm Loans.

Compared to other banks in North Dakota, American Bank Center has a significantly higher percent of Credit Card Loans, Consumer Auto 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 8.25
Credit Card Loans 0.39
Consumer Auto Loans 17.80
Small Business Loans 6.63
Construction and Development Loans 4.20
Commercial Real Estate 24.30
Commercial and Industrial Loans 10.16
Farm Loans 11.75

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?

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Is American Bank Center open on Saturdays?

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Are American Bank Center ATMs Open 24/7?

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Will American Bank Center notarize my document?

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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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