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 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 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

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


Loan Rates

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 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 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 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% 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 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% 8.58

American Bank of St. Paul has a Return on Equity of 21.27% 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.

Capitalization
American Bank of St. Paul U.S. Bank Average
9.52% 12.11

American Bank of St. Paul has a Capitalization of 9.52% 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 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.

Frequently Asked Questions About American Bank of St. Paul

Branches and Savings

Is American Bank of St. Paul FDIC insured?

Yes. It is covered under FDIC Certificate #20843.

Why does American Bank of St. Paul 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 St. Paul CD rates not competitive?

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

Is American Bank of St. Paul a commercial bank?

Yes

Where are American Bank of St. Paul locations?

See branch locations nearby.

Is American Bank of St. Paul open on Saturdays?

Is American Bank of St. Paul open on Sundays?

What time does American Bank of St. Paul open?

What time does American Bank of St. Paul close?

Are American Bank of St. Paul ATMs Open 24/7?

Do American Bank of St. Paul ATMs accept cash deposits?

Can American Bank of St. Paul customers use other ATMs?

Do American Bank of St. Paul branches have notaries?

Will American Bank of St. Paul notarize my document?

What address for American Bank of St. Paul should I put for incoming ACH transfers?

Will the American Bank of St. Paul branch print checks?

Do American Bank of St. Paul checks expire?

Does American Bank of St. Paul require US citizenship to open account?

Can American Bank of St. Paul close my account?

Does American Bank of St. Paul Report to credit bureaus?

Does American Bank of St. Paul Use Equifax?

What is American Bank of St. Paul's ACH Routing Number?

What is American Bank of St. Paul's SWIFT code?

Products

Does American Bank of St. Paul offer mortgages?

Compare mortgage rates here.

Does American Bank of St. Paul offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does American Bank of St. Paul offer personal loans?

Compare personal loan rates here.

Does American Bank of St. Paul offer student loans?

Will American Bank of St. Paul cash a check?

Will American Bank of St. Paul redeem a savings bond?

Does American Bank of St. Paul cash savings bonds?

Will American Bank of St. Paul cash money orders?

Can American Bank of St. Paul issue a money order?

Does American Bank of St. Paul do currency exchange?

Background on The Bank

Who owns American Bank of St. Paul?

How long has American Bank of St. Paul been around?

Can American Bank of St. Paul transfer to other banks?

Does American Bank of St. Paul have quick pay?

Does American Bank of St. Paul accept rolled coins?

Will American Bank of St. Paul accept loose change?

Where is American Bank of St. Paul headquarters?

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 →