American Pride Bank

Headquarters

4740 Log Cabin Drive
Macon, GA 31204
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.40% →
1-Year CD 0.80% 1.15% →
2-Year CD 0.85% 1.26% →
5-Year CD N.A. 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

American Pride Bank is an FDIC insured institution located in Macon, GA. It was founded in 2007 and has approximately $0.2 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 58584
Date Established 2007
Assets $ 203.45 million
Loans $ 161.79 million
Deposits $ 164.87 million
Capital $ 29.16 million
 

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

Deposit Rates - July 10, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $100 - Learn More
Money Market
0.15% $1 $4,999 Learn More
Money Market
0.30% $5,000 $24,999 Learn More
Money Market
0.50% $25,000 $49,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.50% $500 - Learn More
Special: 7 Mo CD
0.75% $500 - Learn More
12 Mo CD
0.80% $500 - Learn More
24 Mo CD
0.85% $500 - Learn More
36 Mo CD
0.95% $500 - Learn More

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.80% $500 - Learn MoreShow Less
Special: 7 Mo FIRA
0.75% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $50 - Learn MoreShow Less
Checking Rates APY MIN FEE
American Rewards 3.00% $0 $0.00 Learn MoreShow Less

Loan Rates - July 10, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for American Pride 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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.950% 2.875% 1.00 $2,438 $1,038 Learn More
Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

Note to American Pride Bank
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Branches

American Pride 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:
Fairfield,Connecticut


American Pride Bank Locations


Financial Details

American Pride Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American Pride 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 Pride Bank U.S. Bank Average
5.85% 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 Pride Bank had $1,867,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $29,160,000 in equity and $2,764,000 in loans loss reserves. That gives it a Texas Ratio of 5.85%.

Return on Equity
American Pride Bank U.S. Bank Average
5.91% 7.80%

American Pride Bank has a Return on Equity of 5.91% 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.

Capitalization
American Pride Bank U.S. Bank Average
14.33% 12.68%

American Pride Bank has a Capitalization of 14.33% 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 Pride Bank Balance Sheet Analysis

As of March 31, 2020, American Pride Bank had assets of $203,448,000, loans of $161,790,000, and deposits of $164,865,000. 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
ASSETS
Cash & Balances due from depository institutions $ 13.24 million
Interest-bearing balances $ 9.18 million
Total securities $ 11.02 million
Federal funds sold and reverse repurchase $ 6.94 million
Net loans and leases $ 161.79 million
Loan loss allowance $ 2.76 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.91 million
All other assets $ 1.35 million
     Total Assets $ 174.29 million
LIABILITIES
Total deposits $ 164.87 million
      Interest-bearing deposits $ 142.25 million
      Deposits held in domestic offices $ 164.87 million
      % insured (estimated) 86.96%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 8.30 million
Subordinated debt N.A.
All other liabilities $ 1.12 million
      Total Liabilities $ 174.29 million
      Shareholders’ Equity $ 29.16 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 2.53 million
Total Interest Expense $ 0.65 million
Net interest income $ 1.88 million
Provision for loan and lease losses $ 0.11 million
Total non interest income $ 0.25 million
Total non interest expense $ 1.59 million
Pre-tax Net Operating Income $ 0.43 million

Bank Loan Profile?

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

Compared to other banks in Georgia, American Pride Bank has a significantly higher percent of 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 6.73
Multifamily
Mortgages
3.62
Credit Card Loans 0.00
Consumer Auto Loans 0.01
Small Business Loans 0.00
Construction and Development Loans 13.38
Commercial Real Estate 71.04
Commercial and Industrial Loans 5.67
Farm Loans 0.00

Frequently Asked Questions About American Pride Bank

Branches and Savings

Is American Pride Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58584.

Why does American Pride 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 Pride Bank CD rates not competitive?

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

Is American Pride Bank a commercial bank?

Yes

Where are American Pride Bank locations?

See branch locations nearby.

Is American Pride Bank open on Saturdays?

Is American Pride Bank open on Sundays?

What time does American Pride Bank open?

What time does American Pride Bank close?

Are American Pride Bank ATMs Open 24/7?

Do American Pride Bank ATMs accept cash deposits?

Can American Pride Bank customers use other ATMs?

Do American Pride Bank branches have notaries?

Will American Pride Bank notarize my document?

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

Will the American Pride Bank branch print checks?

Do American Pride Bank checks expire?

Does American Pride Bank require US citizenship to open account?

Can American Pride Bank close my account?

Does American Pride Bank Report to credit bureaus?

Does American Pride Bank Use Equifax?

What is American Pride Bank's ACH Routing Number?

What is American Pride Bank's SWIFT code?

Products

Does American Pride Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does American Pride Bank offer personal loans?

Compare personal loan rates here.

Does American Pride Bank offer student loans?

Will American Pride Bank cash a check?

Will American Pride Bank redeem a savings bond?

Does American Pride Bank cash savings bonds?

Will American Pride Bank cash money orders?

Can American Pride Bank issue a money order?

Does American Pride Bank do currency exchange?

Background on The Bank

Who owns American Pride Bank?

How long has American Pride Bank been around?

Can American Pride Bank transfer to other banks?

Does American Pride Bank have quick pay?

Does American Pride Bank accept rolled coins?

Will American Pride Bank accept loose change?

Where is American Pride Bank headquarters?

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