American Trust & Savings Bank

9th And Main Streets
Dubuque, IA 52001

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 13150
Date Established 1905
Assets $1.13 billion
Loans $0.92 billion
Deposits $0.88 billion
Capital $0.12 billion

American Trust & Savings Bank is an FDIC insured institution located in Dubuque, IA. It was founded in 1905 and has approximately $1.13 billion in assets. Customers can open an account at one of its 11 branches.

For a more detailed analysis of American Trust & Savings 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 & Savings Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Iowa, American Trust & Savings Bank has a significantly higher percent of Multifamily Mortgages, Credit Card Loans, Construction and Development 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 12.65
Multifamily
Mortgages
6.68
Credit Card Loans 0.52
Consumer Auto Loans 1.39
Small Business Loans 6.58
Construction and Development Loans 9.54
Commercial Real Estate 26.51
Commercial and Industrial Loans 19.35
Farm Loans 2.66

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.05% $2,000 $24,999 Learn MoreShow Less
3 Mo CD 100K
0.10% $50,000 - Learn MoreShow Less
6 Mo CD 10K
0.25% $2,000 $24,999 Learn MoreShow Less
6 Mo CD 100K
0.35% $50,000 - Learn MoreShow Less
Special: 9 Mo CD
0.35% $10,000 - Learn MoreShow Less
Special: 10 Mo CD
0.55% $5,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.10% $100 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.25% $2,000 $24,999 Learn MoreShow Less
Special: 9 Mo FIRA
0.35% $10,000 - Learn MoreShow Less
Special: 10 Mo FIRA
0.55% $5,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
1.41% $1 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.10% $1 $4,999 Learn MoreShow Less
MM 10K
0.10% $5,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.10% $1 - Learn MoreShow Less
Checking Rates APY MIN FEE
Rewards Checking 3.01% $0 $0.00 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

Auto Loan Rates APR Rate Monthly Payment
5 Year 2.99% 2.99% $449.11 Learn MoreShow Less
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment
Home Equity Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

American Trust & Savings 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 & Savings Bank Locations

Financial Details

American Trust & Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American Trust & Savings 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 & Savings Bank U.S. Bank Average
6.69% 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 & Savings Bank had $5,015,000 in non-current loans and $3,714,000 in owned real estate. To cover these potential losses it had $120,684,000 in equity and $9,865,000 in loans loss reserves. That gives it a Texas Ratio of 6.69%. 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 & Savings Bank U.S. Bank Average
7.11% 8.58

American Trust & Savings Bank has a Return on Equity of 7.11% 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 & Savings Bank U.S. Bank Average
10.67% 12.11

American Trust & Savings Bank has a Capitalization of 10.67% 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 & Savings Bank Balance Sheet Analysis

As of June 30, 2017, American Trust & Savings Bank had assets of $1,130,613,000, loans of $923,381,000, and deposits of $883,932,000. 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 & Savings Bank

Branches and Savings

Is American Trust & Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #13150.

Why does American Trust & Savings 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 & Savings Bank CD rates not competitive?

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

Is American Trust & Savings Bank a commercial bank?

Yes

Where are American Trust & Savings Bank locations?

See branch locations nearby.

Is American Trust & Savings Bank open on Saturdays?

Is American Trust & Savings Bank open on Sundays?

What time does American Trust & Savings Bank open?

What time does American Trust & Savings Bank close?

Are American Trust & Savings Bank ATMs Open 24/7?

Do American Trust & Savings Bank ATMs accept cash deposits?

Can American Trust & Savings Bank customers use other ATMs?

Do American Trust & Savings Bank branches have notaries?

Will American Trust & Savings Bank notarize my document?

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

Will the American Trust & Savings Bank branch print checks?

Do American Trust & Savings Bank checks expire?

Does American Trust & Savings Bank require US citizenship to open account?

Can American Trust & Savings Bank close my account?

Does American Trust & Savings Bank Report to credit bureaus?

Does American Trust & Savings Bank Use Equifax?

What is American Trust & Savings Bank's ACH Routing Number?

What is American Trust & Savings Bank's SWIFT code?

Products

Does American Trust & Savings Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does American Trust & Savings Bank offer personal loans?

Compare personal loan rates here.

Does American Trust & Savings Bank offer student loans?

Will American Trust & Savings Bank cash a check?

Will American Trust & Savings Bank redeem a savings bond?

Does American Trust & Savings Bank cash savings bonds?

Will American Trust & Savings Bank cash money orders?

Can American Trust & Savings Bank issue a money order?

Does American Trust & Savings Bank do currency exchange?

Background on The Bank

Who owns American Trust & Savings Bank?

How long has American Trust & Savings Bank been around?

Can American Trust & Savings Bank transfer to other banks?

Does American Trust & Savings Bank have quick pay?

Does American Trust & Savings Bank accept rolled coins?

Will American Trust & Savings Bank accept loose change?

Where is American Trust & Savings Bank headquarters?

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