Americana Community Bank

Headquarters

300 Main Street West
Sleepy Eye, MN 56085
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.12% 0.95% →
1-Year CD 0.41% 1.01% →
2-Year CD 0.61% 0.95% →
5-Year CD 0.91% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Americana Community Bank is an FDIC insured institution located in Sleepy Eye, MN. It was founded in 1881 and has approximately $0.12 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 8205
Date Established 1881
Assets $ 123.36 million
Loans $ 88.29 million
Deposits $ 106.49 million
Capital $ 10.77 million
 

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

Deposit Rates - October 28, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.12% $50 - Learn More
Savings
0.07% $2,500 $4,999 Learn More
Money Market
0.08% $1,000 $24,999 Learn More
Money Market
0.08% $2,500 $2,999 Learn More
Money Market
0.16% $25,000 $49,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.12% $500 - Learn More
3 Mo CD
0.12% $100,000 $199,999 Learn More
Special: 5 Mo CD
0.46% $5,000 - Learn More
6 Mo CD
0.21% $500 - Learn More
6 Mo CD
0.21% $100,000 $199,999 Learn More
12 Mo CD
0.41% $10,000 $14,999 Learn More
12 Mo CD
0.41% $100,000 $199,999 Learn More
Special: 13 Mo CD
0.67% $10,000 - Learn More
Special: 13 Mo CD
0.77% $10,000 - Learn More
Special: 23 Mo CD
0.93% $5,000 - Learn More
24 Mo CD
0.61% $500 - Learn More
24 Mo CD
0.51% $10,000 $14,999 Learn More
24 Mo CD
0.51% $100,000 $199,999 Learn More
Special: 33 Mo CD
0.78% $5,000 - Learn More
36 Mo CD
0.67% $500 - Learn More
36 Mo CD
0.57% $10,000 $14,999 Learn More
36 Mo CD
0.57% $100,000 $199,999 Learn More
48 Mo CD
0.78% $500 - Learn More
48 Mo CD
0.68% $10,000 $14,999 Learn More
48 Mo CD
0.68% $100,000 $199,999 Learn More
60 Mo CD
0.91% $500 - Learn More
60 Mo CD
0.81% $10,000 $14,999 Learn More
60 Mo CD
0.81% $100,000 $199,999 Learn More

Fixed IRA Rates APY MIN MAX
Special: 5 Mo FIRA
0.46% $10,000 - Learn MoreShow Less
Special: 13 Mo FIRA
0.77% $10,000 - Learn MoreShow Less
Special: 13 Mo FIRA
0.67% $10,000 - Learn MoreShow Less
Special: 23 Mo FIRA
0.93% $5,000 - Learn MoreShow Less
Special: 33 Mo FIRA
0.78% $5,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.06% $2,500 - Learn MoreShow Less

Loan Rates - October 28, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Americana Community 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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.674% 2.625% 0.63 $1,595 $1,005 Learn More
First Internet Bank
NMLS ID: 424182
2.566% 2.500% 0.88 $2,170 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Americana Community Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Americana Community 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


Americana Community Bank Locations


Financial Details

Americana Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Americana Community 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
Americana Community Bank U.S. Bank Average
18.54% 6.94%

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 March 31, 2020, Americana Community Bank had $2,182,000 in non-current loans and $43,000 in owned real estate. To cover these potential losses it had $10,774,000 in equity and $1,224,000 in loans loss reserves. That gives it a Texas Ratio of 18.54%.

Return on Equity
Americana Community Bank U.S. Bank Average
6.95% 7.80%

Americana Community Bank has a Return on Equity of 6.95% versus the BestCashCow average of 7.80%. 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
Americana Community Bank U.S. Bank Average
8.73% 12.68%

Americana Community Bank has a Capitalization of 8.73% versus the BestCashCow average of 12.68. 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.

Americana Community Bank Balance Sheet Analysis

As of March 31, 2020, Americana Community Bank had assets of $123,362,000, loans of $88,289,000, and deposits of $106,492,000. 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, 2020
ASSETS
Cash & Balances due from depository institutions $ 14.53 million
Interest-bearing balances $ 12.76 million
Total securities $ 16.21 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 88.29 million
Loan loss allowance $ 1.22 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.04 million
Goodwill and other intangibles N.A.
All other assets $ 2.43 million
     Total Assets $ 112.59 million
LIABILITIES
Total deposits $ 106.49 million
      Interest-bearing deposits $ 87.10 million
      Deposits held in domestic offices $ 106.49 million
      % insured (estimated) 82.47%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 5.00 million
Subordinated debt N.A.
All other liabilities $ 1.10 million
      Total Liabilities $ 112.59 million
      Shareholders’ Equity $ 10.77 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 1.35 million
Total Interest Expense $ 0.27 million
Net interest income $ 1.07 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.10 million
Total non interest expense $ 0.92 million
Pre-tax Net Operating Income $ 0.25 million

Bank Loan Profile?

The top three loan types in Americana Community Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Minnesota, Americana Community Bank has a significantly higher percent of 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 14.23
Multifamily
Mortgages
0.32
Credit Card Loans 0.00
Consumer Auto Loans 0.46
Small Business Loans 0.00
Construction and Development Loans 1.79
Commercial Real Estate 38.71
Commercial and Industrial Loans 16.42
Farm Loans 8.09

Frequently Asked Questions About Americana Community Bank

Branches and Savings

Is Americana Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #8205.

Why does Americana Community Bank pay such low interest on savings accounts?

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

Why are Americana Community Bank CD rates not competitive?

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

Is Americana Community Bank a commercial bank?

Yes

Where are Americana Community Bank locations?

See branch locations nearby.

Is Americana Community Bank open on Saturdays?

Is Americana Community Bank open on Sundays?

What time does Americana Community Bank open?

What time does Americana Community Bank close?

Are Americana Community Bank ATMs Open 24/7?

Do Americana Community Bank ATMs accept cash deposits?

Can Americana Community Bank customers use other ATMs?

Do Americana Community Bank branches have notaries?

Will Americana Community Bank notarize my document?

What address for Americana Community Bank should I put for incoming ACH transfers?

Will the Americana Community Bank branch print checks?

Do Americana Community Bank checks expire?

Does Americana Community Bank require US citizenship to open account?

Can Americana Community Bank close my account?

Does Americana Community Bank Report to credit bureaus?

Does Americana Community Bank Use Equifax?

What is Americana Community Bank's ACH Routing Number?

What is Americana Community Bank's SWIFT code?

Products

Does Americana Community Bank offer mortgages?

Compare mortgage rates here.

Does Americana Community Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Americana Community Bank offer personal loans?

Compare personal loan rates here.

Does Americana Community Bank offer student loans?

Will Americana Community Bank cash a check?

Will Americana Community Bank redeem a savings bond?

Does Americana Community Bank cash savings bonds?

Will Americana Community Bank cash money orders?

Can Americana Community Bank issue a money order?

Does Americana Community Bank do currency exchange?

Background on The Bank

Who owns Americana Community Bank?

How long has Americana Community Bank been around?

Can Americana Community Bank transfer to other banks?

Does Americana Community Bank have quick pay?

Does Americana Community Bank accept rolled coins?

Will Americana Community Bank accept loose change?

Where is Americana Community Bank headquarters?

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