American Bank & Trust Wisconsin

100 North Main Street
Cuba City, WI 53807


General Bank Information

FDIC Insured Yes
FDIC Certificate # 6183
Date Established 1903
Assets $0.15 billion
Loans $0.12 billion
Deposits $0.13 billion
Capital $0.02 billion

American Bank & Trust Wisconsin is an FDIC insured institution located in Cuba City, WI. It was founded in 1903 and has approximately $0.15 billion in assets. Customers can open an account at one of its 5 branches.

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.

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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 13.28
Credit Card Loans 0.00
Consumer Auto Loans 3.18
Small Business Loans 5.33
Construction and Development Loans 1.28
Commercial Real Estate 16.44
Commercial and Industrial Loans 15.00
Farm Loans 16.70

Savings Rates

Your Current Location: Virginia, VA 20146

6 Mo CD 10K 0.30% $500 $49,999 Learn MoreShow Less
6 Mo CD 100K 0.35% $100,000 - Learn MoreShow Less
12MCD10K 0.60% $500 $49,999 Learn MoreShow Less
12 Mo CD 100K 0.60% $100,000 - Learn MoreShow Less
18MCD10K 0.70% $500 $49,999 Learn MoreShow Less
18 Mo CD 100K 0.70% $100,000 - Learn MoreShow Less
24MCD10K 0.90% $500 $49,999 Learn MoreShow Less
24 Mo CD 100K 0.90% $100,000 - Learn MoreShow Less
36MCD10K 1.25% $500 $49,999 Learn MoreShow Less
36 Mo CD 100K 1.25% $100,000 - Learn MoreShow Less
48MCD10K 1.46% $500 $49,999 Learn MoreShow Less
48 Mo CD 100K 1.46% $100,000 - Learn MoreShow Less
60MCD10K 1.71% $500 $49,999 Learn MoreShow Less
60 Mo CD 100K 1.71% $100,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K 0.10% $1 - Learn MoreShow Less
Fixed IRA 0K 0.60% $500 - Learn MoreShow Less
MM 2.5K 0.10% $1 $9,999 Learn MoreShow Less
MM 10K 0.20% $10,000 $24,999 Learn MoreShow Less
MM 25K 0.20% $25,000 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K 0.10% $1 $2,499 Learn MoreShow Less
Int Ckg 2.5K 0.10% $2,500 $4,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

BestCashCow tracks mortgage, home equity, and auto loan rates. In the future, we will be adding other loan products. Please contact the lender for questions about their loan products.

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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 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
6.61% 9.04%

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 December 31, 2016, American Bank & Trust Wisconsin had $1,304,000 in non-current loans and $73,000 in owned real estate. To cover these potential losses it had $19,239,000 in equity and $1,583,000 in loans loss reserves. That gives it a Texas Ratio of 6.61%. 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 & Trust Wisconsin U.S. Bank Average
5.65% 8.42%

American Bank & Trust Wisconsin has a Return on Equity of 5.65% versus the BestCashCow average of 8.42%. 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.

American Bank & Trust Wisconsin U.S. Bank Average
12.89% 11.86%

American Bank & Trust Wisconsin has a Capitalization of 12.89% versus the BestCashCow average of 11.86%. 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 December 31, 2016, American Bank & Trust Wisconsin had assets of $149,305,000, loans of $115,924,000, and deposits of $125,334,000. 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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