American Exchange Bank

151 North 4th Street
Elmwood, NE 68349

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 10647
Date Established 1889
Assets $0.05 billion
Loans $0.03 billion
Deposits $0.04 billion
Capital $0.01 billion

American Exchange Bank is an FDIC insured institution located in Elmwood, NE. It was founded in 1889 and has approximately $0.05 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of American Exchange Bank'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 Exchange Bank’s loan portfolio are Commercial and Industrial Loans, Farm Loans, and 1-4 Family Residential Loans.

Compared to other banks in Nebraska, American Exchange Bank has a significantly higher percent of Commercial and Industrial 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 14.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 2.89
Small Business Loans 9.36
Construction and Development Loans 0.68
Commercial Real Estate 11.49
Commercial and Industrial Loans 24.77
Farm Loans 20.60

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.10% $500 - Learn MoreShow Less
6 Mo CD 10K
0.20% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.15% $1 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
2.38% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
1.51% $100 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.10% $1,500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.10% $2,500 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for American Exchange 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 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More
Rocket Mortgage
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 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 Exchange Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

American Exchange Bank 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 Exchange Bank Locations

Financial Details

American Exchange Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American Exchange Bank. 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 Exchange Bank U.S. Bank Average
10.48% 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 Exchange Bank had $600,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $5,105,000 in equity and $621,000 in loans loss reserves. That gives it a Texas Ratio of 10.48%. 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 Exchange Bank U.S. Bank Average
9.58% 8.58

American Exchange Bank has a Return on Equity of 9.58% 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 Exchange Bank U.S. Bank Average
11.03% 12.11

American Exchange Bank has a Capitalization of 11.03% 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 Exchange Bank Balance Sheet Analysis

As of June 30, 2017, American Exchange Bank had assets of $46,301,000, loans of $27,688,000, and deposits of $39,859,000. 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 Exchange Bank

Branches and Savings

Is American Exchange Bank FDIC insured?

Yes. It is covered under FDIC Certificate #10647.

Why does American Exchange 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 Exchange Bank CD rates not competitive?

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

Is American Exchange Bank a commercial bank?

Yes

Where are American Exchange Bank locations?

See branch locations nearby.

Is American Exchange Bank open on Saturdays?

Is American Exchange Bank open on Sundays?

What time does American Exchange Bank open?

What time does American Exchange Bank close?

Are American Exchange Bank ATMs Open 24/7?

Do American Exchange Bank ATMs accept cash deposits?

Can American Exchange Bank customers use other ATMs?

Do American Exchange Bank branches have notaries?

Will American Exchange Bank notarize my document?

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

Will the American Exchange Bank branch print checks?

Do American Exchange Bank checks expire?

Does American Exchange Bank require US citizenship to open account?

Can American Exchange Bank close my account?

Does American Exchange Bank Report to credit bureaus?

Does American Exchange Bank Use Equifax?

What is American Exchange Bank's ACH Routing Number?

What is American Exchange Bank's SWIFT code?

Products

Does American Exchange Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does American Exchange Bank offer personal loans?

Compare personal loan rates here.

Does American Exchange Bank offer student loans?

Will American Exchange Bank cash a check?

Will American Exchange Bank redeem a savings bond?

Does American Exchange Bank cash savings bonds?

Will American Exchange Bank cash money orders?

Can American Exchange Bank issue a money order?

Does American Exchange Bank do currency exchange?

Background on The Bank

Who owns American Exchange Bank?

How long has American Exchange Bank been around?

Can American Exchange Bank transfer to other banks?

Does American Exchange Bank have quick pay?

Does American Exchange Bank accept rolled coins?

Will American Exchange Bank accept loose change?

Where is American Exchange Bank headquarters?

Customer Reviews for American Exchange Bank

There are currently no comments for American Exchange Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →