American Interstate Bank

3331 N 204th Street
Elkhorn, NE 68022

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 1439
Date Established 1915
Assets $0.10 billion
Loans $0.09 billion
Deposits $0.09 billion
Capital $0.02 billion

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.

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.

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 31.80
Multifamily
Mortgages
6.07
Credit Card Loans 0.00
Consumer Auto Loans 0.55
Small Business Loans 23.14
Construction and Development Loans 13.34
Commercial Real Estate 28.85
Commercial and Industrial Loans 9.85
Farm Loans 5.05

Loan Rates

Your Current Location: Virginia, VA 20146

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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:
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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% 8.87%

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 March 31, 2017, American Interstate Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $15,469,000 in equity and $1,373,000 in loans loss reserves. That gives it a Texas Ratio of 0%. 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 Interstate Bank U.S. Bank Average
12.75% 8.39%

American Interstate Bank has a Return on Equity of 12.75% versus the BestCashCow average of 8.39%. 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
14.76% 11.94%

American Interstate Bank has a Capitalization of 14.76% versus the BestCashCow average of 11.94%. 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, 2017, American Interstate Bank had assets of $104,811,000, loans of $85,768,000, and deposits of $89,290,000. 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.

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