American Interstate Bank

Headquarters

3331 N 204th Street
Elkhorn, NE 68022
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.40% →
1-Year CD N.A. 1.15% →
2-Year CD N.A. 1.26% →
5-Year CD N.A. 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

American Interstate Bank is an FDIC insured institution located in Elkhorn, NE. It was founded in 1915 and has approximately $0.1 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 1439
Date Established 1915
Assets $ 101.58 million
Loans $ 92.14 million
Deposits $ 81.23 million
Capital $ 20.14 million
 

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

Deposit Rates - July 3, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - July 3, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for American Interstate 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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.039% 3.000% 0.50 $1,250 $1,055 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
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Note to American Interstate Bank
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Branches

American Interstate 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:
Fairfield,Connecticut


American Interstate Bank Locations


Financial Details

American Interstate Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American Interstate 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 Interstate Bank U.S. Bank Average
0% 6.51%

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 December 31, 2019, American Interstate Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $20,140,000 in equity and $1,548,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
American Interstate Bank U.S. Bank Average
17.42% 9.41%

American Interstate Bank has a Return on Equity of 17.42% versus the BestCashCow average of 9.41%. 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 Interstate Bank U.S. Bank Average
19.83% 12.82%

American Interstate Bank has a Capitalization of 19.83% versus the BestCashCow average of 12.82. 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 Interstate Bank Balance Sheet Analysis

As of December 31, 2019, American Interstate Bank had assets of $101,583,000, loans of $92,139,000, and deposits of $81,233,000. 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

December 31, 2019
ASSETS
Cash & Balances due from depository institutions $ 7.32 million
Interest-bearing balances $ 5.21 million
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 92.14 million
Loan loss allowance $ 1.55 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 0.65 million
     Total Assets $ 81.44 million
LIABILITIES
Total deposits $ 81.23 million
      Interest-bearing deposits $ 57.00 million
      Deposits held in domestic offices $ 81.23 million
      % insured (estimated) 78.69%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.21 million
      Total Liabilities $ 81.44 million
      Shareholders’ Equity $ 20.14 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 5.34 million
Total Interest Expense $ 0.23 million
Net interest income $ 5.11 million
Provision for loan and lease losses $ 0.06 million
Total non interest income $ 0.19 million
Total non interest expense $ 1.81 million
Pre-tax Net Operating Income $ 3.43 million

Bank Loan Profile?

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

Compared to other banks in Nebraska, American Interstate Bank has a significantly higher percent of 1-4 Family Residential Loans, Multifamily Mortgages, Small Business Loans, Construction and Development Loans, 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 33.38
Multifamily
Mortgages
10.27
Credit Card Loans 0.00
Consumer Auto Loans 0.23
Small Business Loans 16.72
Construction and Development Loans 10.53
Commercial Real Estate 30.06
Commercial and Industrial Loans 12.64
Farm Loans 1.47

Frequently Asked Questions About American Interstate Bank

Branches and Savings

Is American Interstate Bank FDIC insured?

Yes. It is covered under FDIC Certificate #1439.

Why does American Interstate 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 Interstate Bank CD rates not competitive?

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

Is American Interstate Bank a commercial bank?

Yes

Where are American Interstate Bank locations?

See branch locations nearby.

Is American Interstate Bank open on Saturdays?

Is American Interstate Bank open on Sundays?

What time does American Interstate Bank open?

What time does American Interstate Bank close?

Are American Interstate Bank ATMs Open 24/7?

Do American Interstate Bank ATMs accept cash deposits?

Can American Interstate Bank customers use other ATMs?

Do American Interstate Bank branches have notaries?

Will American Interstate Bank notarize my document?

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

Will the American Interstate Bank branch print checks?

Do American Interstate Bank checks expire?

Does American Interstate Bank require US citizenship to open account?

Can American Interstate Bank close my account?

Does American Interstate Bank Report to credit bureaus?

Does American Interstate Bank Use Equifax?

What is American Interstate Bank's ACH Routing Number?

What is American Interstate Bank's SWIFT code?

Products

Does American Interstate Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does American Interstate Bank offer personal loans?

Compare personal loan rates here.

Does American Interstate Bank offer student loans?

Will American Interstate Bank cash a check?

Will American Interstate Bank redeem a savings bond?

Does American Interstate Bank cash savings bonds?

Will American Interstate Bank cash money orders?

Can American Interstate Bank issue a money order?

Does American Interstate Bank do currency exchange?

Background on The Bank

Who owns American Interstate Bank?

How long has American Interstate Bank been around?

Can American Interstate Bank transfer to other banks?

Does American Interstate Bank have quick pay?

Does American Interstate Bank accept rolled coins?

Will American Interstate Bank accept loose change?

Where is American Interstate Bank headquarters?

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