American Enterprise Bank

600 North Buffalo Grove Road
Buffalo Grove, IL 60089


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 34090
Date Established 1995
Assets $0.20 billion
Loans $0.14 billion
Deposits $0.16 billion
Capital $0.02 billion

American Enterprise Bank is an FDIC insured institution located in Buffalo Grove, IL. It was founded in 1995 and has approximately $0.2 billion in assets. Customers can open an account at one of its 3 branches.

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

Deposit Rates - October 17, 2019

Your Current Location: Virginia, VA 20146

There are currently no rates available for American Enterprise Bank, but see these great savings and CD rates:

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Loan Rates - October 17, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for American Enterprise Bank

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 2019

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3.662% 3.625% 0.50 $1,150 $1,141 Learn More
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4.990% 4.990% 0.00 $0 $1,341 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
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Third Federal Savings and Loans
Third Federal Savings and Loans
3.990 %
$0 Learn More
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Financial Details

American Enterprise Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American Enterprise 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 Enterprise Bank U.S. Bank Average
40.84% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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, 2019, American Enterprise Bank had $5,100,000 in non-current loans and $5,076,000 in owned real estate. To cover these potential losses it had $22,529,000 in equity and $2,385,000 in loans loss reserves. That gives it a Texas Ratio of 40.84%.

Return on Equity
American Enterprise Bank U.S. Bank Average
2.42% 9.50%

American Enterprise Bank has a Return on Equity of 2.42% versus the BestCashCow average of 9.50%. 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 Enterprise Bank U.S. Bank Average
11.4% 12.76%

American Enterprise Bank has a Capitalization of 11.4% versus the BestCashCow average of 12.76. 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 Enterprise Bank Balance Sheet Analysis

As of September 30, 2018, American Enterprise Bank had assets of $197,618,000, loans of $138,961,000, and deposits of $162,417,000. 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, 2019
Cash & Balances due from depository institutions $0.04 billion
Interest-bearing balances $0.03 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.14 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.01 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.18 billion
Total deposits $0.16 billion
      Interest-bearing deposits $0.16 billion
      Deposits held in domestic offices $0.16 billion
      % insured (estimated) 62.31%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.18 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

June 30, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $-0.00 billion
Total non interest income $-0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in American Enterprise Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Multifamily Mortgages.

Compared to other banks in Illinois, American Enterprise Bank has a significantly higher percent of Multifamily Mortgages, 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 7.12
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 53.15
Commercial and Industrial Loans 20.00
Farm Loans 0.00

Frequently Asked Questions About American Enterprise Bank

Branches and Savings

Is American Enterprise Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34090.

Why does American Enterprise 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 Enterprise Bank CD rates not competitive?

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

Is American Enterprise Bank a commercial bank?


Where are American Enterprise Bank locations?

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Is American Enterprise Bank open on Saturdays?

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Are American Enterprise Bank ATMs Open 24/7?

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Will American Enterprise Bank notarize my document?

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Will the American Enterprise Bank branch print checks?

Do American Enterprise Bank checks expire?

Does American Enterprise Bank require US citizenship to open account?

Can American Enterprise Bank close my account?

Does American Enterprise Bank Report to credit bureaus?

Does American Enterprise Bank Use Equifax?

What is American Enterprise Bank's ACH Routing Number?

What is American Enterprise Bank's SWIFT code?


Does American Enterprise Bank offer mortgages?

Compare mortgage rates here.

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

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Does American Enterprise Bank offer personal loans?

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Does American Enterprise Bank offer student loans?

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Background on The Bank

Who owns American Enterprise Bank?

How long has American Enterprise Bank been around?

Can American Enterprise Bank transfer to other banks?

Does American Enterprise Bank have quick pay?

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