American Interstate Bank


3331 N 204th Street
Elkhorn, NE 68022
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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. 1.25% →
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 Interstate Bank is an FDIC insured institution located in Elkhorn, NE. It was founded in 1915 and has approximately $0.13 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 1439
Date Established 1915
Assets $ 128.75 million
Loans $ 77.05 million
Deposits $ 107.47 million
Capital $ 21.16 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 - October 19, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - October 19, 2021

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 2021

Lender APR Rate (%) Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.610% 3.500%
0.88 points
$3,438 fees
$1,123 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 Interstate Bank
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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 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% 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 Interstate Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $21,161,000 in equity and $1,510,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
American Interstate Bank U.S. Bank Average
10.09% 11.29%

American Interstate Bank has a Return on Equity of 10.09% 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 Interstate Bank U.S. Bank Average
16.44% 11.72%

American Interstate Bank has a Capitalization of 16.44% 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 Interstate Bank Balance Sheet Analysis

As of June 30, 2021, American Interstate Bank had assets of $128,750,000, loans of $77,051,000, and deposits of $107,470,000. 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 $ 49.76 million
Interest-bearing balances $ 48.51 million
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 77.05 million
Loan loss allowance $ 1.51 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 $ 0.56 million
     Total Assets $ 107.59 million
Total deposits $ 107.47 million
      Interest-bearing deposits $ 68.47 million
      Deposits held in domestic offices $ 107.47 million
      % insured (estimated) 69.47%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.12 million
      Total Liabilities $ 107.59 million
      Shareholders’ Equity $ 21.16 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 1.93 million
Total Interest Expense $ 0.09 million
Net interest income $ 1.84 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.06 million
Total non interest expense $ 0.94 million
Pre-tax Net Operating Income $ 1.07 million

Bank Loan Profile?

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

Compared to other banks in Nebraska, American Interstate Bank has a significantly higher percent of 1-4 Family Residential Loans, 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 31.84
Credit Card Loans 0.00
Consumer Auto Loans 0.28
Small Business Loans 13.16
Construction and Development Loans 15.66
Commercial Real Estate 31.88
Commercial and Industrial Loans 10.90
Farm Loans 2.11

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?


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?


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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