American Interstate Bank


3331 N 204th Street
Elkhorn, NE 68022
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Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

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 $0.12 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 1439
Date Established 1915
Assets $ 115.25 million
Loans $ 88.43 million
Deposits $ 94.71 million
Capital $ 20.44 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 27, 2020

Your Current Location: Virginia, VA 20146

Loan Rates - October 27, 2020

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
NMLS ID: 2890
License#: MC-3098
2.674% 2.625% 0.63 $1,595 $1,005 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
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% 6.94%

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 March 31, 2020, American Interstate Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $20,441,000 in equity and $1,564,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
American Interstate Bank U.S. Bank Average
15.79% 7.80%

American Interstate Bank has a Return on Equity of 15.79% versus the BestCashCow average of 7.80%. 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
17.74% 12.68%

American Interstate Bank has a Capitalization of 17.74% versus the BestCashCow average of 12.68. 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 March 31, 2020, American Interstate Bank had assets of $115,254,000, loans of $88,426,000, and deposits of $94,708,000. 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

March 31, 2020
Cash & Balances due from depository institutions $ 24.67 million
Interest-bearing balances $ 23.10 million
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 88.43 million
Loan loss allowance $ 1.56 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 $ 0.72 million
     Total Assets $ 94.81 million
Total deposits $ 94.71 million
      Interest-bearing deposits $ 72.31 million
      Deposits held in domestic offices $ 94.71 million
      % insured (estimated) 67.14%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.11 million
      Total Liabilities $ 94.81 million
      Shareholders’ Equity $ 20.44 million

Summary Income Statement

March 31, 2020
Total Interest Income $ 1.29 million
Total Interest Expense $ 0.06 million
Net interest income $ 1.23 million
Provision for loan and lease losses $ 0.02 million
Total non interest income $ 0.05 million
Total non interest expense $ 0.46 million
Pre-tax Net Operating Income $ 0.80 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, 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 34.92
Credit Card Loans 0.00
Consumer Auto Loans 0.23
Small Business Loans 14.98
Construction and Development Loans 9.35
Commercial Real Estate 29.04
Commercial and Industrial Loans 12.94
Farm Loans 1.92

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?

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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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