American Interstate Bank

3331 N 204th Street
Elkhorn, NE 68022

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 1439
Date Established 1915
Assets $0.10 billion
Loans $0.09 billion
Deposits $0.08 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.

Deposit Rates - October 22, 2019

Your Current Location: Virginia, VA 20146

There are currently no rates available for American Interstate Bank, but see these great savings and CD rates:

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Loan Rates - October 22, 2019

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:

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Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
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Third Federal Savings and Loans
Third Federal Savings and Loans
3.990 %
$0 Learn More
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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:
Ashburn,Virginia


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% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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, 2019, American Interstate Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $19,883,000 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
17.32% 9.50%

American Interstate Bank has a Return on Equity of 17.32% versus the BestCashCow average of 9.50%. 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
19.05% 12.76%

American Interstate Bank has a Capitalization of 19.05% versus the BestCashCow average of 12.76. 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, 2019, American Interstate Bank had assets of $104,381,000, loans of $92,118,000, and deposits of $84,373,000. 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, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.09 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.08 billion
LIABILITIES
Total deposits $0.08 billion
      Interest-bearing deposits $0.06 billion
      Deposits held in domestic offices $0.08 billion
      % insured (estimated) 77.99%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.08 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

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 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 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 34.06
Multifamily
Mortgages
5.27
Credit Card Loans 0.00
Consumer Auto Loans 0.26
Small Business Loans 19.18
Construction and Development Loans 20.88
Commercial Real Estate 23.29
Commercial and Industrial Loans 12.92
Farm Loans 1.44

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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