Americana Community Bank

300 Main Street West
Sleepy Eye, MN 56085

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 8205
Date Established 1881
Assets $0.12 billion
Loans $0.09 billion
Deposits $0.10 billion
Capital $0.01 billion

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.

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 - July 15, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.25% $1,000 $24,999 Learn MoreShow Less
Money Market
0.16% $1,000 $24,999 Learn MoreShow Less
Money Market
0.29% $25,000 $49,999 Learn MoreShow Less
Money Market
0.26% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.35% $500 - Learn MoreShow Less
3 Mo CD
0.26% $500 - Learn MoreShow Less
Special: 5 Mo CD
1.26% $5,000 - Learn MoreShow Less
6 Mo CD
0.60% $500 - Learn MoreShow Less
6 Mo CD
0.51% $500 - Learn MoreShow Less
12 Mo CD
0.85% $500 - Learn MoreShow Less
Special: 13 Mo CD
2.68% $10,000 - Learn MoreShow Less
Special: 23 Mo CD
2.63% $5,000 - Learn MoreShow Less
24 Mo CD
1.00% $500 - Learn MoreShow Less
24 Mo CD
1.16% $500 - Learn MoreShow Less
Special: 33 Mo CD
2.55% $5,000 - Learn MoreShow Less
36 Mo CD
1.11% $500 - Learn MoreShow Less
36 Mo CD
1.41% $500 - Learn MoreShow Less
48 Mo CD
1.26% $500 - Learn MoreShow Less
48 Mo CD
1.27% $500 - Learn MoreShow Less
60 Mo CD
1.41% $500 - Learn MoreShow Less
60 Mo CD
1.72% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.85% $500 - Learn MoreShow Less
Special: 5 Mo FIRA
1.26% $5,000 - Learn MoreShow Less
Special: 13 Mo FIRA
2.68% $10,000 - Learn MoreShow Less
Special: 23 Mo FIRA
2.63% $5,000 - Learn MoreShow Less
Special: 33 Mo FIRA
2.55% $5,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.61% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.09% $500 $2,499 Learn MoreShow Less
Int Ckg
0.05% $500 $2,499 Learn MoreShow Less
Int Ckg
0.15% $2,500 - Learn MoreShow Less
Int Ckg
0.08% $2,500 - Learn MoreShow Less

Loan Rates - July 15, 2019

Your Current Location: Washington, WA 98109

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 - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
3.777% 3.750% 0.38 $832 $1,158 Learn More
Cascadia Mortgage
NMLS ID: 1505422
License#: NMLS #1505422
3.697% 3.625% 0.50 $2,253 $1,141 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
5.490 %
N/A Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 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:
Seattle,Washington


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
10.01% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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, 2019, Americana Community Bank had $1,036,000 in non-current loans and $43,000 in owned real estate. To cover these potential losses it had $9,582,000 in equity and $1,197,000 in loans loss reserves. That gives it a Texas Ratio of 10.01%.

Return on Equity
Americana Community Bank U.S. Bank Average
5.56% 9.47%

Americana Community Bank has a Return on Equity of 5.56% versus the BestCashCow average of 9.47%. 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
8.05% 12.49%

Americana Community Bank has a Capitalization of 8.05% versus the BestCashCow average of 12.49. 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, 2019, Americana Community Bank had assets of $119,026,000, loans of $89,784,000, and deposits of $103,940,000. 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, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.09 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.11 billion
LIABILITIES
Total deposits $0.10 billion
      Interest-bearing deposits $0.08 billion
      Deposits held in domestic offices $0.10 billion
      % insured (estimated) 78.20%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.11 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

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, Americana Community 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 13.91
Multifamily
Mortgages
0.33
Credit Card Loans 0.00
Consumer Auto Loans 0.21
Small Business Loans 0.00
Construction and Development Loans 2.11
Commercial Real Estate 34.86
Commercial and Industrial Loans 18.26
Farm Loans 6.77

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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