American Bank of St. Paul

1578 University Avenue West
Saint Paul, MN 55104

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 20843
Date Established 0000
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 0000 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 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

Savings Rates

Your Current Location: Virginia, VA 20146

Loan Rates

Your Current Location: Virginia, VA 20146

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Branches

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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. Please remember that all banks listed on BestCashCow.com are FDIC insured while all credit unions are similarly insured by the NCUA. No depositor has ever lost money while their funds have been insured by the FDIC or NCUA.

Texas Ratio
American Bank of St. Paul U.S. Bank Average
3.13% 9.11%

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, 2016, 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%. 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 of St. Paul U.S. Bank Average
21.27% 9.45%

American Bank of St. Paul has a Return on Equity of 21.27% versus the BestCashCow average of 9.45%. 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% 11.28%

American Bank of St. Paul has a Capitalization of 9.52% versus the BestCashCow average of 11.28%. 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.

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