American Trust Bank of East Tennessee

Headquarters

6771 Baum Drive
Knoxville, TN 37919
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 4.01% →
1-Year CD N.A. 4.50% →
2-Year CD N.A. 4.73% →
5-Year CD N.A. 4.75% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 1.93% →

2022 Overview

General Bank Information

American Trust Bank of East Tennessee is an FDIC insured institution located in Knoxville, TN. It was founded in 2004 and has approximately $0.14 billion in assets.

FDIC Insured Yes
FDIC Certificate # 57689
Date Established 2004
Assets $ 139.93 million
Loans $ 98.61 million
Deposits $ 114.89 million
Capital $ 18.46 million
 

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

Deposit Rates - November 28, 2022

Your Current Location: California, CA 92111

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

Advertiser Disclosure
 

Loan Rates - November 28, 2022

Your Current Location: California, CA 92111

There are currently no loan rates available for American Trust Bank of East Tennessee

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




Featured - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Monthly
Payment
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Embrace Home Loans (ICB)
NMLS ID: 2184
6.722% 6.625%
1.00 points
$2,500 fees
$1,601 Learn More
AimLoan.com
NMLS ID: 2890
License#: 413-0477
6.226% 6.125%
0.63 points
$2,685 fees
$1,520 Learn More
Eligibility.org
NMLS ID: 1907

points
fees
Learn More

Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 6.490 %
After Intro: 7.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
6.490 %
$0 Learn More
More Info

Note to American Trust Bank of East Tennessee
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Branches

American Trust Bank of East Tennessee 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:
San Diego,California


American Trust Bank of East Tennessee Locations



Climate Initiatives

American Trust Bank of East Tennessee is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

American Trust Bank of East Tennessee Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American Trust Bank of East Tennessee. 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 of East Tennessee U.S. Bank Average
0% 4.06%

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, 2022, American Trust Bank of East Tennessee had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $18,462,000 in equity and $1,333,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
American Trust Bank of East Tennessee U.S. Bank Average
13.23% 9.98%

American Trust Bank of East Tennessee has a Return on Equity of 13.23% versus the BestCashCow average of 9.98%. 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 of East Tennessee U.S. Bank Average
13.19% 10.23%

American Trust Bank of East Tennessee has a Capitalization of 13.19% versus the BestCashCow average of 10.23. 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 of East Tennessee Balance Sheet Analysis

As of June 30, 2016, American Trust Bank of East Tennessee had assets of $142,032,000, loans of $98,609,000, and deposits of $114,889,000. 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, 2022
ASSETS
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 $ 98.61 million
Loan loss allowance $ 1.33 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 114.89 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 $ 139.93 million

Summary Income Statement

June 30, 2022
INCOME AND EXPENSES
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 of East Tennessee’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Tennessee, American Trust Bank of East Tennessee has a significantly higher percent of Small Business Loans 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 34.16
Multifamily
Mortgages
1.81
Credit Card Loans 0.00
Consumer Auto Loans 0.65
Small Business Loans 17.28
Construction and Development Loans 10.47
Commercial Real Estate 34.42
Commercial and Industrial Loans 14.58
Farm Loans 0.00

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