American Trust Bank

880 Holcomb Bridge Road
Roswell, GA 30076

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57432
Date Established 2003
Assets $0.24 billion
Loans $0.16 billion
Deposits $0.22 billion
Capital $0.00 billion

American Trust Bank is an FDIC insured institution located in Roswell, GA. It was founded in 2003 and has approximately $0.24 billion in assets.

American Trust Bank, Roswell, Georgia, was closed on February 4, 2011 by the Georgia Department of Banking and Finance, which appointed the Federal Deposit Insurance Corporation (FDIC) as receiver. To protect the depositors, the FDIC entered into a purchase and assumption agreement with Renasant Bank, Tupelo, Mississippi, to assume all of the deposits of American Trust Bank. The three branches of American Trust Bank will reopen on Monday as branches of Renasant Bank. Depositors of American Trust Bank will automatically become depositors of Resnasant Bank. Deposits will continue to be insured by the FDIC, so there is no need for customers to change their banking relationship in order to retain their deposit insurance coverage up to applicable limits. Customers of American Trust Bank should continue to use their existing branch until they receive notice from Renasant Bank that it has completed systems changes to allow other Renasant Bank branches to process their accounts as well.

For a more detailed analysis of American Trust 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 Trust Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, American Trust Bank’s loan portfolio does not show any specific loan specialty.

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 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

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


Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for American Trust Bank

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
US Wide Financial
NMLS ID: 55028
License#: MC-5809
3.771% 3.750% 0.00 $642 $1,158 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to American Trust Bank
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Branches

American Trust 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 Trust Bank Locations

Financial Details

American Trust Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American Trust 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 Trust Bank U.S. Bank Average
1234.82% 8.45

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 June 30, 2017, American Trust Bank had $36,481,000 in non-current loans and $20,259,000 in owned real estate. To cover these potential losses it had $1,524,000 in equity and $3,071,000 in loans loss reserves. That gives it a Texas Ratio of 1234.82%. 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 Trust Bank U.S. Bank Average
-136.52% 8.58

American Trust Bank has a Return on Equity of -136.52% versus the BestCashCow average of 8.58. 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 Trust Bank U.S. Bank Average
0.64% 12.11

American Trust Bank has a Capitalization of 0.64% versus the BestCashCow average of 12.11. 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 Trust Bank Balance Sheet Analysis

As of December 31, 2010, American Trust Bank had assets of $238,205,000, loans of $155,229,000, and deposits of $222,161,000. 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.

Frequently Asked Questions About American Trust Bank

Branches and Savings

Is American Trust Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57432.

Why does American Trust 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 Trust Bank CD rates not competitive?

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

Is American Trust Bank a commercial bank?

Yes

Where are American Trust Bank locations?

See branch locations nearby.

Is American Trust Bank open on Saturdays?

Is American Trust Bank open on Sundays?

What time does American Trust Bank open?

What time does American Trust Bank close?

Are American Trust Bank ATMs Open 24/7?

Do American Trust Bank ATMs accept cash deposits?

Can American Trust Bank customers use other ATMs?

Do American Trust Bank branches have notaries?

Will American Trust Bank notarize my document?

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

Will the American Trust Bank branch print checks?

Do American Trust Bank checks expire?

Does American Trust Bank require US citizenship to open account?

Can American Trust Bank close my account?

Does American Trust Bank Report to credit bureaus?

Does American Trust Bank Use Equifax?

What is American Trust Bank's ACH Routing Number?

What is American Trust Bank's SWIFT code?

Products

Does American Trust Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does American Trust Bank offer personal loans?

Compare personal loan rates here.

Does American Trust Bank offer student loans?

Will American Trust Bank cash a check?

Will American Trust Bank redeem a savings bond?

Does American Trust Bank cash savings bonds?

Will American Trust Bank cash money orders?

Can American Trust Bank issue a money order?

Does American Trust Bank do currency exchange?

Background on The Bank

Who owns American Trust Bank?

How long has American Trust Bank been around?

Can American Trust Bank transfer to other banks?

Does American Trust Bank have quick pay?

Does American Trust Bank accept rolled coins?

Will American Trust Bank accept loose change?

Where is American Trust Bank headquarters?

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