American Bank & Trust Wisconsin

Headquarters

100 North Main Street
Cuba City, WI 53807
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.00% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.00% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

American Bank & Trust Wisconsin is an FDIC insured institution located in Cuba City, WI. It was founded in 1903 and has approximately $0.17 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 6183
Date Established 1903
Assets $ 176.59 million
Loans $ 143.31 million
Deposits $ 138.17 million
Capital $ 22.05 million
 

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

Deposit Rates - October 20, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - October 20, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for American Bank & Trust Wisconsin

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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.574% 2.500% 1.00 $2,445 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to American Bank & Trust Wisconsin
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Branches

American Bank & Trust Wisconsin 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 & Trust Wisconsin Locations


Financial Details

American Bank & Trust Wisconsin Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American Bank & Trust Wisconsin. 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 & Trust Wisconsin U.S. Bank Average
5.18% 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 & Trust Wisconsin had $1,231,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $22,049,000 in equity and $1,721,000 in loans loss reserves. That gives it a Texas Ratio of 5.18%.

Return on Equity
American Bank & Trust Wisconsin U.S. Bank Average
9.84% 7.80%

American Bank & Trust Wisconsin has a Return on Equity of 9.84% 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 & Trust Wisconsin U.S. Bank Average
12.49% 12.68%

American Bank & Trust Wisconsin has a Capitalization of 12.49% 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 & Trust Wisconsin Balance Sheet Analysis

As of March 31, 2019, American Bank & Trust Wisconsin had assets of $174,128,000, loans of $143,310,000, and deposits of $138,171,000. 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 $ 7.61 million
Interest-bearing balances $ 4.82 million
Total securities $ 10.58 million
Federal funds sold and reverse repurchase $ 5.03 million
Net loans and leases $ 143.31 million
Loan loss allowance $ 1.72 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 2.78 million
All other assets $ 2.90 million
     Total Assets $ 152.08 million
LIABILITIES
Total deposits $ 138.17 million
      Interest-bearing deposits $ 111.73 million
      Deposits held in domestic offices $ 138.17 million
      % insured (estimated) 90.08%
Federal funds purchased and repurchase agreements $ 1.27 million
Trading liabilities N.A.
Other borrowed funds $ 10.40 million
Subordinated debt N.A.
All other liabilities $ 2.24 million
      Total Liabilities $ 152.08 million
      Shareholders’ Equity $ 24.51 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 1.92 million
Total Interest Expense $ 0.34 million
Net interest income $ 1.59 million
Provision for loan and lease losses $ 0.03 million
Total non interest income $ 0.16 million
Total non interest expense $ 1.06 million
Pre-tax Net Operating Income $ 0.65 million

Bank Loan Profile?

The top three loan types in American Bank & Trust Wisconsin’s loan portfolio are Farm Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Wisconsin, American Bank & Trust Wisconsin has a significantly higher percent of Consumer Auto Loans, Farm 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 11.31
Multifamily
Mortgages
2.72
Credit Card Loans 0.00
Consumer Auto Loans 2.72
Small Business Loans 0.00
Construction and Development Loans 3.62
Commercial Real Estate 14.15
Commercial and Industrial Loans 12.37
Farm Loans 18.34

Frequently Asked Questions About American Bank & Trust Wisconsin

Branches and Savings

Is American Bank & Trust Wisconsin FDIC insured?

Yes. It is covered under FDIC Certificate #6183.

Why does American Bank & Trust Wisconsin 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 & Trust Wisconsin CD rates not competitive?

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

Is American Bank & Trust Wisconsin a commercial bank?

Yes

Where are American Bank & Trust Wisconsin locations?

See branch locations nearby.

Is American Bank & Trust Wisconsin open on Saturdays?

Is American Bank & Trust Wisconsin open on Sundays?

What time does American Bank & Trust Wisconsin open?

What time does American Bank & Trust Wisconsin close?

Are American Bank & Trust Wisconsin ATMs Open 24/7?

Do American Bank & Trust Wisconsin ATMs accept cash deposits?

Can American Bank & Trust Wisconsin customers use other ATMs?

Do American Bank & Trust Wisconsin branches have notaries?

Will American Bank & Trust Wisconsin notarize my document?

What address for American Bank & Trust Wisconsin should I put for incoming ACH transfers?

Will the American Bank & Trust Wisconsin branch print checks?

Do American Bank & Trust Wisconsin checks expire?

Does American Bank & Trust Wisconsin require US citizenship to open account?

Can American Bank & Trust Wisconsin close my account?

Does American Bank & Trust Wisconsin Report to credit bureaus?

Does American Bank & Trust Wisconsin Use Equifax?

What is American Bank & Trust Wisconsin's ACH Routing Number?

What is American Bank & Trust Wisconsin's SWIFT code?

Products

Does American Bank & Trust Wisconsin offer mortgages?

Compare mortgage rates here.

Does American Bank & Trust Wisconsin offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does American Bank & Trust Wisconsin offer personal loans?

Compare personal loan rates here.

Does American Bank & Trust Wisconsin offer student loans?

Will American Bank & Trust Wisconsin cash a check?

Will American Bank & Trust Wisconsin redeem a savings bond?

Does American Bank & Trust Wisconsin cash savings bonds?

Will American Bank & Trust Wisconsin cash money orders?

Can American Bank & Trust Wisconsin issue a money order?

Does American Bank & Trust Wisconsin do currency exchange?

Background on The Bank

Who owns American Bank & Trust Wisconsin?

How long has American Bank & Trust Wisconsin been around?

Can American Bank & Trust Wisconsin transfer to other banks?

Does American Bank & Trust Wisconsin have quick pay?

Does American Bank & Trust Wisconsin accept rolled coins?

Will American Bank & Trust Wisconsin accept loose change?

Where is American Bank & Trust Wisconsin headquarters?

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