America's Community Bank

Headquarters

1100 West Main Street
Blue Springs, MO 64015
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.13% 1.40% →
1-Year CD 0.50% 1.15% →
2-Year CD 0.75% 1.26% →
5-Year CD 1.00% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

America's Community Bank is an FDIC insured institution located in Blue Springs, MO. It was founded in 1888 and has approximately $0.03 billion in assets.

FDIC Insured Yes
FDIC Certificate # 8893
Date Established 1888
Assets $ 31.34 million
Loans $ 27.25 million
Deposits $ 27.67 million
Capital $ 3.59 million
 

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

Deposit Rates - July 7, 2020

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Savings
0.13% $100 - Learn More
Money Market
0.13% $10,001 $25,000 Learn More
Money Market
0.25% $25,001 $50,000 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.13% $500 - Learn More
6 Mo CD
0.33% $500 - Learn More
12 Mo CD
0.50% $500 - Learn More
18 Mo CD
0.50% $500 - Learn More
24 Mo CD
0.75% $500 - Learn More
30 Mo CD
0.75% $500 - Learn More
36 Mo CD
1.00% $500 - Learn More
48 Mo CD
1.00% $500 - Learn More
60 Mo CD
1.00% $500 - Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,001 - Learn MoreShow Less

Loan Rates - July 7, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for America's 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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
3.039% 3.000% 0.50 $1,250 $1,055 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

Note to America's Community Bank
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Branches

America's 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


America's Community Bank Locations


Financial Details

America's Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of America's 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
America's Community Bank U.S. Bank Average
0% 6.51%

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 December 31, 2019, America's Community Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $3,590,000 in equity and $282,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
America's Community Bank U.S. Bank Average
4.56% 9.41%

America's Community Bank has a Return on Equity of 4.56% versus the BestCashCow average of 9.41%. 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
America's Community Bank U.S. Bank Average
11.45% 12.82%

America's Community Bank has a Capitalization of 11.45% versus the BestCashCow average of 12.82. 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.

America's Community Bank Balance Sheet Analysis

As of December 31, 2019, America's Community Bank had assets of $31,341,000, loans of $27,251,000, and deposits of $27,667,000. 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

December 31, 2019
ASSETS
Cash & Balances due from depository institutions $ 3.01 million
Interest-bearing balances $ 2.14 million
Total securities $ 0.25 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 27.25 million
Loan loss allowance $ 0.28 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 $ 0.50 million
     Total Assets $ 27.75 million
LIABILITIES
Total deposits $ 27.67 million
      Interest-bearing deposits $ 23.17 million
      Deposits held in domestic offices $ 27.67 million
      % insured (estimated) 83.72%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.09 million
      Total Liabilities $ 27.75 million
      Shareholders’ Equity $ 3.59 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 1.50 million
Total Interest Expense $ 0.37 million
Net interest income $ 1.13 million
Provision for loan and lease losses $ 0.05 million
Total non interest income $ 0.05 million
Total non interest expense $ 0.96 million
Pre-tax Net Operating Income $ 0.17 million

Bank Loan Profile?

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

Compared to other banks in Missouri, America's Community Bank has a significantly higher percent of Multifamily Mortgages, Small Business Loans, Construction and Development 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 33.60
Multifamily
Mortgages
10.06
Credit Card Loans 0.00
Consumer Auto Loans 1.24
Small Business Loans 25.19
Construction and Development Loans 14.00
Commercial Real Estate 29.53
Commercial and Industrial Loans 4.24
Farm Loans 0.00

Frequently Asked Questions About America's Community Bank

Branches and Savings

Is America's Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #8893.

Why does America's 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 America's Community Bank CD rates not competitive?

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

Is America's Community Bank a commercial bank?

Yes

Where are America's Community Bank locations?

See branch locations nearby.

Is America's Community Bank open on Saturdays?

Is America's Community Bank open on Sundays?

What time does America's Community Bank open?

What time does America's Community Bank close?

Are America's Community Bank ATMs Open 24/7?

Do America's Community Bank ATMs accept cash deposits?

Can America's Community Bank customers use other ATMs?

Do America's Community Bank branches have notaries?

Will America's Community Bank notarize my document?

What address for America's Community Bank should I put for incoming ACH transfers?

Will the America's Community Bank branch print checks?

Do America's Community Bank checks expire?

Does America's Community Bank require US citizenship to open account?

Can America's Community Bank close my account?

Does America's Community Bank Report to credit bureaus?

Does America's Community Bank Use Equifax?

What is America's Community Bank's ACH Routing Number?

What is America's Community Bank's SWIFT code?

Products

Does America's Community Bank offer mortgages?

Compare mortgage rates here.

Does America's Community Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does America's Community Bank offer personal loans?

Compare personal loan rates here.

Does America's Community Bank offer student loans?

Will America's Community Bank cash a check?

Will America's Community Bank redeem a savings bond?

Does America's Community Bank cash savings bonds?

Will America's Community Bank cash money orders?

Can America's Community Bank issue a money order?

Does America's Community Bank do currency exchange?

Background on The Bank

Who owns America's Community Bank?

How long has America's Community Bank been around?

Can America's Community Bank transfer to other banks?

Does America's Community Bank have quick pay?

Does America's Community Bank accept rolled coins?

Will America's Community Bank accept loose change?

Where is America's Community Bank headquarters?

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