American Metro Bank

4878 North Broadway
Chicago, IL 60640

Notable Rates APY Vs.Others
Savings 0.15% 2.25% →
1-Year CD 1.10% 2.25% →
2-Year CD 1.30% 2.50% →
5-Year CD 1.40% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

American Metro Bank is an FDIC insured institution located in Chicago, IL. It was founded in 1997 and has approximately $0.08 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 34334
Date Established 1997
Assets $0.08 billion
Loans $0.07 billion
Deposits $0.07 billion
Capital $0.01 billion
 

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

Deposit Rates - December 12, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.35% $1 $24,999 Learn MoreShow Less
Money Market
0.45% $25,000 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.80% $1,000 $99,999 Learn MoreShow Less
3 Mo CD
0.90% $100,000 - Learn MoreShow Less
0.85% $1,000 $99,999 Learn MoreShow Less
6 Mo CD
0.95% $100,000 - Learn MoreShow Less
1.00% $1,000 $99,999 Learn MoreShow Less
12 Mo CD
1.10% $100,000 - Learn MoreShow Less
1.10% $1,000 $99,999 Learn MoreShow Less
18 Mo CD
1.20% $100,000 - Learn MoreShow Less
1.20% $1,000 $99,999 Learn MoreShow Less
24 Mo CD
1.30% $100,000 - Learn MoreShow Less
1.30% $1,000 $99,999 Learn MoreShow Less
36 Mo CD
1.40% $100,000 - Learn MoreShow Less
1.30% $1,000 $99,999 Learn MoreShow Less
60 Mo CD
1.40% $100,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
1.00% $1,000 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $300 - Learn MoreShow Less

Loan Rates - December 12, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for American Metro Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
First Internet Bank
NMLS ID: 424182
3.625% 3.625% -0.25 ($498) $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
3.633% 3.625% 0.13 $248 $1,141 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More

Featured - Washington 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
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to American Metro Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

American Metro 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:
Seattle,Washington


American Metro Bank Locations


Financial Details

American Metro Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American Metro 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 Metro Bank U.S. Bank Average
15.68% 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 Metro Bank had $325,000 in non-current loans and $1,126,000 in owned real estate. To cover these potential losses it had $8,653,000 in equity and $603,000 in loans loss reserves. That gives it a Texas Ratio of 15.68%.

Return on Equity
American Metro Bank U.S. Bank Average
3.73% 9.50%

American Metro Bank has a Return on Equity of 3.73% 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 Metro Bank U.S. Bank Average
10.39% 12.76%

American Metro Bank has a Capitalization of 10.39% 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 Metro Bank Balance Sheet Analysis

As of June 30, 2019, American Metro Bank had assets of $83,243,000, loans of $66,267,000, and deposits of $67,078,000. 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 $0.07 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 $0.07 billion
LIABILITIES
Total deposits $0.07 billion
      Interest-bearing deposits $0.06 billion
      Deposits held in domestic offices $0.07 billion
      % insured (estimated) 80.86%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.07 billion
      Shareholders’ Equity $0.01 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 Metro Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in Illinois, American Metro Bank has a significantly higher percent of 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 29.54
Multifamily
Mortgages
9.73
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 29.95
Construction and Development Loans 9.16
Commercial Real Estate 48.32
Commercial and Industrial Loans 1.61
Farm Loans 0.00

Frequently Asked Questions About American Metro Bank

Branches and Savings

Is American Metro Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34334.

Why does American Metro 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 Metro Bank CD rates not competitive?

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

Is American Metro Bank a commercial bank?

Yes

Where are American Metro Bank locations?

See branch locations nearby.

Is American Metro Bank open on Saturdays?

Is American Metro Bank open on Sundays?

What time does American Metro Bank open?

What time does American Metro Bank close?

Are American Metro Bank ATMs Open 24/7?

Do American Metro Bank ATMs accept cash deposits?

Can American Metro Bank customers use other ATMs?

Do American Metro Bank branches have notaries?

Will American Metro Bank notarize my document?

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

Will the American Metro Bank branch print checks?

Do American Metro Bank checks expire?

Does American Metro Bank require US citizenship to open account?

Can American Metro Bank close my account?

Does American Metro Bank Report to credit bureaus?

Does American Metro Bank Use Equifax?

What is American Metro Bank's ACH Routing Number?

What is American Metro Bank's SWIFT code?

Products

Does American Metro Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does American Metro Bank offer personal loans?

Compare personal loan rates here.

Does American Metro Bank offer student loans?

Will American Metro Bank cash a check?

Will American Metro Bank redeem a savings bond?

Does American Metro Bank cash savings bonds?

Will American Metro Bank cash money orders?

Can American Metro Bank issue a money order?

Does American Metro Bank do currency exchange?

Background on The Bank

Who owns American Metro Bank?

How long has American Metro Bank been around?

Can American Metro Bank transfer to other banks?

Does American Metro Bank have quick pay?

Does American Metro Bank accept rolled coins?

Will American Metro Bank accept loose change?

Where is American Metro Bank headquarters?

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