American Bank of Missouri

Headquarters

127 West Hudson
Wellsville, MO 63384
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 1.40% →
1-Year CD 0.75% 1.15% →
2-Year CD 1.05% 1.26% →
5-Year CD 1.20% 1.56% →
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 of Missouri is an FDIC insured institution located in Wellsville, MO. It was founded in 1880 and has approximately $0.43 billion in assets. Customers can open an account at one of its 7 branches.

FDIC Insured Yes
FDIC Certificate # 15423
Date Established 1880
Assets $ 426.74 million
Loans $ 346.43 million
Deposits $ 312.31 million
Capital $ 44.83 million
 

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

Deposit Rates - July 10, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.25% $50 - Learn More
Money Market
0.25% $1,000 $9,999 Learn More
Money Market
0.40% $10,000 $24,999 Learn More
Money Market
0.60% $25,000 $49,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.20% $1,000 - Learn More
6 Mo CD
0.40% $1,000 - Learn More
12 Mo CD
0.75% $1,000 - Learn More
18 Mo CD
0.95% $1,000 - Learn More
24 Mo CD
1.05% $1,000 - Learn More
36 Mo CD
1.10% $1,000 - Learn More
48 Mo CD
1.15% $1,000 - Learn More
60 Mo CD
1.20% $1,000 - Learn More

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.75% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.50% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $50 - Learn MoreShow Less

Loan Rates - July 10, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for American Bank of Missouri

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
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.950% 2.875% 1.00 $2,438 $1,038 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 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
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

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

Branches

American Bank of Missouri 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:
Fairfield,Connecticut


American Bank of Missouri Locations


Financial Details

American Bank of Missouri Ratio Analysis

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

Texas Ratio
American Bank of Missouri U.S. Bank Average
1.16% 6.94%

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, 2020, American Bank of Missouri had $563,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $44,829,000 in equity and $3,534,000 in loans loss reserves. That gives it a Texas Ratio of 1.16%.

Return on Equity
American Bank of Missouri U.S. Bank Average
6.76% 7.80%

American Bank of Missouri has a Return on Equity of 6.76% versus the BestCashCow average of 7.80%. 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.

Capitalization
American Bank of Missouri U.S. Bank Average
10.51% 12.68%

American Bank of Missouri has a Capitalization of 10.51% versus the BestCashCow average of 12.68. 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 of Missouri Balance Sheet Analysis

As of March 31, 2020, American Bank of Missouri had assets of $426,738,000, loans of $346,425,000, and deposits of $312,306,000. 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, 2020
ASSETS
Cash & Balances due from depository institutions $ 20.61 million
Interest-bearing balances $ 17.48 million
Total securities $ 23.75 million
Federal funds sold and reverse repurchase $ 18.54 million
Net loans and leases $ 346.43 million
Loan loss allowance $ 3.53 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 3.40 million
All other assets $ 8.92 million
     Total Assets $ 381.91 million
LIABILITIES
Total deposits $ 312.31 million
      Interest-bearing deposits $ 286.45 million
      Deposits held in domestic offices $ 312.31 million
      % insured (estimated) 84.58%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 68.00 million
Subordinated debt N.A.
All other liabilities $ 1.60 million
      Total Liabilities $ 381.91 million
      Shareholders’ Equity $ 44.83 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 5.13 million
Total Interest Expense $ 1.68 million
Net interest income $ 3.45 million
Provision for loan and lease losses $ 0.27 million
Total non interest income $ 0.59 million
Total non interest expense $ 2.80 million
Pre-tax Net Operating Income $ 0.98 million

Bank Loan Profile?

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

Compared to other banks in Missouri, American Bank of Missouri has a significantly higher percent of Multifamily Mortgages, 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 32.46
Multifamily
Mortgages
10.81
Credit Card Loans 0.00
Consumer Auto Loans 0.02
Small Business Loans 10.81
Construction and Development Loans 15.37
Commercial Real Estate 24.37
Commercial and Industrial Loans 14.34
Farm Loans 0.00

Frequently Asked Questions About American Bank Of Missouri

Branches and Savings

Is American Bank Of Missouri FDIC insured?

Yes. It is covered under FDIC Certificate #15423.

Why does American Bank Of Missouri 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 Of Missouri CD rates not competitive?

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

Is American Bank Of Missouri a commercial bank?

Yes

Where are American Bank Of Missouri locations?

See branch locations nearby.

Is American Bank Of Missouri open on Saturdays?

Is American Bank Of Missouri open on Sundays?

What time does American Bank Of Missouri open?

What time does American Bank Of Missouri close?

Are American Bank Of Missouri ATMs Open 24/7?

Do American Bank Of Missouri ATMs accept cash deposits?

Can American Bank Of Missouri customers use other ATMs?

Do American Bank Of Missouri branches have notaries?

Will American Bank Of Missouri notarize my document?

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

Will the American Bank Of Missouri branch print checks?

Do American Bank Of Missouri checks expire?

Does American Bank Of Missouri require US citizenship to open account?

Can American Bank Of Missouri close my account?

Does American Bank Of Missouri Report to credit bureaus?

Does American Bank Of Missouri Use Equifax?

What is American Bank Of Missouri's ACH Routing Number?

What is American Bank Of Missouri's SWIFT code?

Products

Does American Bank Of Missouri offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does American Bank Of Missouri offer personal loans?

Compare personal loan rates here.

Does American Bank Of Missouri offer student loans?

Will American Bank Of Missouri cash a check?

Will American Bank Of Missouri redeem a savings bond?

Does American Bank Of Missouri cash savings bonds?

Will American Bank Of Missouri cash money orders?

Can American Bank Of Missouri issue a money order?

Does American Bank Of Missouri do currency exchange?

Background on The Bank

Who owns American Bank Of Missouri?

How long has American Bank Of Missouri been around?

Can American Bank Of Missouri transfer to other banks?

Does American Bank Of Missouri have quick pay?

Does American Bank Of Missouri accept rolled coins?

Will American Bank Of Missouri accept loose change?

Where is American Bank Of Missouri headquarters?

Customer Reviews for American Bank of Missouri

There are currently no comments for American Bank of Missouri. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →