American Bank of St. Paul

1578 University Avenue West
Saint Paul, MN 55104

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 20843
Date Established 1972
Assets $0.31 billion
Loans $0.16 billion
Deposits $0.28 billion
Capital $0.03 billion

American Bank of St. Paul is an FDIC insured institution located in Saint Paul, MN. It was founded in 1972 and has approximately $0.31 billion in assets.

For a more detailed analysis of American Bank of St. Paul'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 of St. Paul’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Minnesota, American Bank of St. Paul has a significantly higher percent of Small Business 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 35.39
Multifamily
Mortgages
1.66
Credit Card Loans 0.00
Consumer Auto Loans 0.01
Small Business Loans 11.28
Construction and Development Loans 6.52
Commercial Real Estate 44.37
Commercial and Industrial Loans 9.08
Farm Loans 1.41

Deposit Rates - January 16, 2019

Your Current Location: Virginia, VA 20146

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

Advertiser Disclosure

Loan Rates - January 16, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for American Bank of St. Paul

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 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.250% 5.250% 0.00 $0 $1,381 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender Rate (%) Monthly Payment Learn More

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

Branches

American Bank of St. Paul 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:
Ashburn,Virginia


American Bank of St. Paul Locations

Financial Details

American Bank of St. Paul Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American Bank of St. Paul. 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 St. Paul U.S. Bank Average
3.13% 7.34%

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, 2018, American Bank of St. Paul had $474,000 in non-current loans and $728,000 in owned real estate. To cover these potential losses it had $29,710,000 in equity and $8,632,000 in loans loss reserves. That gives it a Texas Ratio of 3.13%.

Return on Equity
American Bank of St. Paul U.S. Bank Average
21.27% 9.95%

American Bank of St. Paul has a Return on Equity of 21.27% versus the BestCashCow average of 9.95%. 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 St. Paul U.S. Bank Average
9.52% 12.19%

American Bank of St. Paul has a Capitalization of 9.52% versus the BestCashCow average of 12.19. 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 St. Paul Balance Sheet Analysis

As of March 31, 2015, American Bank of St. Paul had assets of $311,959,000, loans of $161,964,000, and deposits of $275,149,000. 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

September 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.16 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.00 billion
LIABILITIES
Total deposits $0.28 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.00 billion
      Shareholders’ Equity $0.31 billion

Summary Income Statement

September 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Customer Reviews for American Bank of St. Paul

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

Add Your Review

Rate it here →

*All images, logos and public notes on this page appear courtesy of American Bank of St. Paul and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.