American Security Bank

1401 Dove Street, Suite 100
Newport Beach, CA 92660


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 33121
Date Established 1990
Assets $0.43 billion
Loans $0.24 billion
Deposits $0.38 billion
Capital $0.06 billion

American Security Bank is an FDIC insured institution located in Newport Beach, CA. It was founded in 1990 and has approximately $0.43 billion in assets.

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

Deposit Rates - September 15, 2019

Your Current Location: Connecticut, CT 06828

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

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Loan Rates - September 15, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for American Security 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 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.751% 3.750% 0.00 $25 $1,158 Learn More

Featured - Connecticut 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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Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

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Financial Details

American Security Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American Security 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 Security Bank U.S. Bank Average
13.66% 6.94%

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 March 31, 2019, American Security Bank had $6,444,000 in non-current loans and $1,585,000 in owned real estate. To cover these potential losses it had $55,006,000 in equity and $3,772,000 in loans loss reserves. That gives it a Texas Ratio of 13.66%.

Return on Equity
American Security Bank U.S. Bank Average
0.05% 9.47%

American Security Bank has a Return on Equity of 0.05% versus the BestCashCow average of 9.47%. 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 Security Bank U.S. Bank Average
12.76% 12.49%

American Security Bank has a Capitalization of 12.76% versus the BestCashCow average of 12.49. 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 Security Bank Balance Sheet Analysis

As of March 31, 2014, American Security Bank had assets of $431,171,000, loans of $243,438,000, and deposits of $375,357,000. 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, 2019
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.24 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 $0.00 billion
Total deposits $0.38 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
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 $0.00 billion
      Shareholders’ Equity $0.43 billion

Summary Income Statement

March 31, 2019
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 Security Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and Commercial and Industrial Loans.

Compared to other banks in California, American Security Bank has a significantly higher percent of 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 6.65
Credit Card Loans 0.00
Consumer Auto Loans 1.85
Small Business Loans 18.36
Construction and Development Loans 3.94
Commercial Real Estate 72.99
Commercial and Industrial Loans 8.99
Farm Loans 0.00

Frequently Asked Questions About American Security Bank

Branches and Savings

Is American Security Bank FDIC insured?

Yes. It is covered under FDIC Certificate #33121.

Why does American Security 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 Security Bank CD rates not competitive?

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Is American Security Bank a commercial bank?


Where are American Security Bank locations?

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Is American Security Bank open on Saturdays?

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Will the American Security Bank branch print checks?

Do American Security Bank checks expire?

Does American Security Bank require US citizenship to open account?

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Does American Security Bank Report to credit bureaus?

Does American Security Bank Use Equifax?

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Does American Security Bank offer mortgages?

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

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Does American Security Bank offer personal loans?

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Does American Security Bank offer student loans?

Will American Security Bank cash a check?

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Background on The Bank

Who owns American Security Bank?

How long has American Security Bank been around?

Can American Security Bank transfer to other banks?

Does American Security Bank have quick pay?

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