America's Community Bank

1100 West Main Street
Blue Springs, MO 64015

Notable Rates APY Vs.Others
Savings 0.25% 2.20% →
1-Year CD 1.50% 2.25% →
2-Year CD 1.75% 2.30% →
5-Year CD 2.00% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

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 $0.03 billion
Loans $0.03 billion
Deposits $0.03 billion
Capital $0.00 billion

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 - January 17, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.25% $10,001 $25,000 Learn MoreShow Less
Money Market
0.33% $25,001 $50,000 Learn MoreShow Less
3 Mo CD
1.00% $500 - Learn MoreShow Less
6 Mo CD
1.25% $500 - Learn MoreShow Less
12 Mo CD
1.50% $500 - Learn MoreShow Less
18 Mo CD
1.50% $500 - Learn MoreShow Less
24 Mo CD
1.75% $500 - Learn MoreShow Less
30 Mo CD
1.75% $500 - Learn MoreShow Less
36 Mo CD
1.75% $500 - Learn MoreShow Less
48 Mo CD
1.75% $500 - Learn MoreShow Less
60 Mo CD
2.00% $500 - Learn MoreShow Less

Fixed IRA
1.50% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $1,000 Learn MoreShow Less
Int Ckg
0.13% $1,001 - Learn MoreShow Less

Loan Rates - January 17, 2020

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More
NMLS ID: 2890
License#: MC-3098
3.517% 3.500% 0.25 $515 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to America's Community Bank
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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 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% 6.70%

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 September 30, 2019, America's Community Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $3,541,000 in equity and $268,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
America's Community Bank U.S. Bank Average
4.23% 9.72%

America's Community Bank has a Return on Equity of 4.23% versus the BestCashCow average of 9.72%. 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.

America's Community Bank U.S. Bank Average
11.35% 12.89%

America's Community Bank has a Capitalization of 11.35% versus the BestCashCow average of 12.89. 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 September 30, 2019, America's Community Bank had assets of $31,206,000, loans of $27,905,000, and deposits of $27,587,000. 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

September 30, 2019
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 $0.03 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 $0.03 billion
Total deposits $0.03 billion
      Interest-bearing deposits $0.02 billion
      Deposits held in domestic offices $0.03 billion
      % insured (estimated) 88.50%
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 $0.03 billion
      Shareholders’ Equity $0.00 billion

Summary Income Statement

September 30, 2019
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 America's Community Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks in Missouri, America's Community Bank has a significantly higher percent of Multifamily Mortgages, 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 30.90
Credit Card Loans 0.00
Consumer Auto Loans 1.33
Small Business Loans 0.00
Construction and Development Loans 16.61
Commercial Real Estate 28.72
Commercial and Industrial Loans 4.48
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?


Where are America's Community Bank locations?

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Is America's Community Bank open on Saturdays?

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

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

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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?

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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?

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Will America's Community Bank accept loose change?

Where is America's Community Bank headquarters?

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