American Trust Bank


880 Holcomb Bridge Road
Roswell, GA 30076
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

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.

FDIC Insured Yes
FDIC Certificate # 57432
Date Established 2003
Assets $ 238.21 million
Loans $ 155.23 million
Deposits $ 222.16 million
Capital $ 1.52 million

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.

Deposit Rates - October 25, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - October 25, 2021

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
Morty, Inc.
NMLS ID: 1429243
2.764% 2.690%
1.00 points
$2,398 fees
$1,013 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to American Trust Bank
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Climate Initiatives

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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 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% 4.78%

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 June 30, 2021, 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%.

Return on Equity
American Trust Bank U.S. Bank Average
-136.52% 11.29%

American Trust Bank has a Return on Equity of -136.52% versus the BestCashCow average of 11.29%. 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 Trust Bank U.S. Bank Average
0.64% 11.72%

American Trust Bank has a Capitalization of 0.64% versus the BestCashCow average of 11.72. 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.

Summary Balance Sheet

June 30, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 155.23 million
Loan loss allowance $ 3.07 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 20.26 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 222.16 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 238.21 million

Summary Income Statement

June 30, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 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

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?


Where are American Trust Bank locations?

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Is American Trust Bank open on Saturdays?

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Do American Trust Bank checks expire?

Does American Trust Bank require US citizenship to open account?

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Does American Trust Bank Use Equifax?

What is American Trust Bank's ACH Routing Number?

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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?

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Does American Trust Bank cash savings bonds?

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Can American Trust Bank issue a money order?

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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?

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