American City Bank


340 West Lincoln Street
Tullahoma, TN 37388
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.10% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

American City Bank is an FDIC insured institution located in Tullahoma, TN. It was founded in 1974 and has approximately $0.31 billion in assets.

FDIC Insured Yes
FDIC Certificate # 21663
Date Established 1974
Assets $ 313.82 million
Loans $ 272.51 million
Deposits $ 236.37 million
Capital $ 60.37 million

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

Deposit Rates - October 16, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - October 16, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for American City Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
First Internet Bank
NMLS ID: 424182
2.805% 2.750%
0.75 points
$1,792 fees
$1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to American City Bank
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Financial Details

American City Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American City Bank. 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 City Bank U.S. Bank Average
4.13% 4.78%

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 June 30, 2021, American City Bank had $1,357,000 in non-current loans and $1,257,000 in owned real estate. To cover these potential losses it had $60,372,000 in equity and $2,932,000 in loans loss reserves. That gives it a Texas Ratio of 4.13%.

Return on Equity
American City Bank U.S. Bank Average
13.16% 11.29%

American City Bank has a Return on Equity of 13.16% versus the BestCashCow average of 11.29%. 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 City Bank U.S. Bank Average
19.24% 11.72%

American City Bank has a Capitalization of 19.24% versus the BestCashCow average of 11.72. 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 City Bank Balance Sheet Analysis

As of June 30, 2017, American City Bank had assets of $308,040,000, loans of $272,510,000, and deposits of $236,369,000. 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

June 30, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 272.51 million
Loan loss allowance $ 2.93 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.26 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 236.37 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 313.82 million

Summary Income Statement

June 30, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in American City Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Tennessee, American City Bank has a significantly higher percent of Construction and Development 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 23.30
Credit Card Loans 0.00
Consumer Auto Loans 1.78
Small Business Loans 10.26
Construction and Development Loans 20.66
Commercial Real Estate 26.51
Commercial and Industrial Loans 23.55
Farm Loans 3.40

Frequently Asked Questions About American City Bank

Branches and Savings

Is American City Bank FDIC insured?

Yes. It is covered under FDIC Certificate #21663.

Why does American City Bank pay such low interest on savings accounts?

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

Why are American City Bank CD rates not competitive?

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

Is American City Bank a commercial bank?


Where are American City Bank locations?

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Is American City Bank open on Saturdays?

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Are American City Bank ATMs Open 24/7?

Do American City Bank ATMs accept cash deposits?

Can American City Bank customers use other ATMs?

Do American City Bank branches have notaries?

Will American City Bank notarize my document?

What address for American City Bank should I put for incoming ACH transfers?

Will the American City Bank branch print checks?

Do American City Bank checks expire?

Does American City Bank require US citizenship to open account?

Can American City Bank close my account?

Does American City Bank Report to credit bureaus?

Does American City Bank Use Equifax?

What is American City Bank's ACH Routing Number?

What is American City Bank's SWIFT code?


Does American City Bank offer mortgages?

Compare mortgage rates here.

Does American City Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does American City Bank offer personal loans?

Compare personal loan rates here.

Does American City Bank offer student loans?

Will American City Bank cash a check?

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Does American City Bank cash savings bonds?

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Can American City Bank issue a money order?

Does American City Bank do currency exchange?

Background on The Bank

Who owns American City Bank?

How long has American City Bank been around?

Can American City Bank transfer to other banks?

Does American City Bank have quick pay?

Does American City Bank accept rolled coins?

Will American City Bank accept loose change?

Where is American City Bank headquarters?

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