Americantrust Federal Savings Bank

915 W Main St
Peru, IN 46970

Notable Rates APY Vs.Others
Savings N.A. 2.25% →
1-Year CD N.A. 2.25% →
2-Year CD N.A. 2.50% →
5-Year CD N.A. 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Americantrust Federal Savings Bank is an FDIC insured institution located in Peru, IN. It was founded in 1886 and has approximately $0.1 billion in assets.

FDIC Insured Yes
FDIC Certificate # 29668
Date Established 1886
Assets $0.10 billion
Loans $0.07 billion
Deposits $0.09 billion
Capital $0.01 billion
 

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

Deposit Rates - December 12, 2019

Your Current Location: Washington, WA 98109

There are currently no rates available for Americantrust Federal Savings Bank, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - December 12, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Americantrust Federal Savings 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

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Featured - Washington Home Equity Line Of Credit Rates 2019

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Note to Americantrust Federal Savings Bank
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Branches

Americantrust Federal 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:
Seattle,Washington


Americantrust Federal Savings Bank Locations


Financial Details

Americantrust Federal Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Americantrust Federal 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
Americantrust Federal Savings Bank U.S. Bank Average
28.53% 6.77%

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 June 30, 2019, Americantrust Federal Savings Bank had $2,221,000 in non-current loans and $431,000 in owned real estate. To cover these potential losses it had $8,474,000 in equity and $820,000 in loans loss reserves. That gives it a Texas Ratio of 28.53%.

Return on Equity
Americantrust Federal Savings Bank U.S. Bank Average
-7.29% 9.50%

Americantrust Federal Savings Bank has a Return on Equity of -7.29% versus the BestCashCow average of 9.50%. 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
Americantrust Federal Savings Bank U.S. Bank Average
8.53% 12.76%

Americantrust Federal Savings Bank has a Capitalization of 8.53% versus the BestCashCow average of 12.76. 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.

Americantrust Federal Savings Bank Balance Sheet Analysis

As of December 31, 2011, Americantrust Federal Savings Bank had assets of $99,301,000, loans of $72,560,000, and deposits of $87,481,000. 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, 2019
ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.07 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 $0.00 billion
LIABILITIES
Total deposits $0.09 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.00 billion
      Shareholders’ Equity $0.10 billion

Summary Income Statement

June 30, 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 Americantrust Federal Savings Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Americantrust Federal Savings 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 0.00
Multifamily
Mortgages
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 Americantrust Federal Savings Bank

Branches and Savings

Is Americantrust Federal Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #29668.

Why does Americantrust Federal 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 Americantrust Federal Savings Bank CD rates not competitive?

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

Is Americantrust Federal Savings Bank a commercial bank?

Yes

Where are Americantrust Federal Savings Bank locations?

See branch locations nearby.

Is Americantrust Federal Savings Bank open on Saturdays?

Is Americantrust Federal Savings Bank open on Sundays?

What time does Americantrust Federal Savings Bank open?

What time does Americantrust Federal Savings Bank close?

Are Americantrust Federal Savings Bank ATMs Open 24/7?

Do Americantrust Federal Savings Bank ATMs accept cash deposits?

Can Americantrust Federal Savings Bank customers use other ATMs?

Do Americantrust Federal Savings Bank branches have notaries?

Will Americantrust Federal Savings Bank notarize my document?

What address for Americantrust Federal Savings Bank should I put for incoming ACH transfers?

Will the Americantrust Federal Savings Bank branch print checks?

Do Americantrust Federal Savings Bank checks expire?

Does Americantrust Federal Savings Bank require US citizenship to open account?

Can Americantrust Federal Savings Bank close my account?

Does Americantrust Federal Savings Bank Report to credit bureaus?

Does Americantrust Federal Savings Bank Use Equifax?

What is Americantrust Federal Savings Bank's ACH Routing Number?

What is Americantrust Federal Savings Bank's SWIFT code?

Products

Does Americantrust Federal Savings Bank offer mortgages?

Compare mortgage rates here.

Does Americantrust Federal Savings Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Americantrust Federal Savings Bank offer personal loans?

Compare personal loan rates here.

Does Americantrust Federal Savings Bank offer student loans?

Will Americantrust Federal Savings Bank cash a check?

Will Americantrust Federal Savings Bank redeem a savings bond?

Does Americantrust Federal Savings Bank cash savings bonds?

Will Americantrust Federal Savings Bank cash money orders?

Can Americantrust Federal Savings Bank issue a money order?

Does Americantrust Federal Savings Bank do currency exchange?

Background on The Bank

Who owns Americantrust Federal Savings Bank?

How long has Americantrust Federal Savings Bank been around?

Can Americantrust Federal Savings Bank transfer to other banks?

Does Americantrust Federal Savings Bank have quick pay?

Does Americantrust Federal Savings Bank accept rolled coins?

Will Americantrust Federal Savings Bank accept loose change?

Where is Americantrust Federal Savings Bank headquarters?

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