Amfirst Bank

602 West B Street
Mccook, NE 69001


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 5417
Date Established 1905
Assets $0.26 billion
Loans $0.19 billion
Deposits $0.22 billion
Capital $0.02 billion

Amfirst Bank is an FDIC insured institution located in Mccook, NE. It was founded in 1905 and has approximately $0.27 billion in assets.

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

Deposit Rates - September 17, 2019

Your Current Location: Virginia, VA 20146

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

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Loan Rates - September 17, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Amfirst Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

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Featured - Virginia Home Equity Line Of Credit Rates 2019

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Financial Details

Amfirst Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Amfirst 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
Amfirst Bank U.S. Bank Average
6.49% 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, Amfirst Bank had $600,000 in non-current loans and $1,164,000 in owned real estate. To cover these potential losses it had $24,195,000 in equity and $2,981,000 in loans loss reserves. That gives it a Texas Ratio of 6.49%.

Return on Equity
Amfirst Bank U.S. Bank Average
9.86% 9.47%

Amfirst Bank has a Return on Equity of 9.86% 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.

Amfirst Bank U.S. Bank Average
9.14% 12.49%

Amfirst Bank has a Capitalization of 9.14% 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.

Amfirst Bank Balance Sheet Analysis

As of June 30, 2017, Amfirst Bank had assets of $265,762,000, loans of $189,016,000, and deposits of $222,658,000. 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
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 $0.19 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
Total deposits $0.22 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 $0.26 billion

Summary Income Statement

March 31, 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 Amfirst Bank’s loan portfolio are Commercial Real Estate, Farm Loans, and Small Business Loans.

Compared to other banks in Nebraska, Amfirst Bank has a significantly higher percent of Consumer Auto Loans, Small Business Loans, 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 6.14
Credit Card Loans 0.00
Consumer Auto Loans 6.21
Small Business Loans 15.02
Construction and Development Loans 9.36
Commercial Real Estate 28.89
Commercial and Industrial Loans 10.31
Farm Loans 22.10

Frequently Asked Questions About Amfirst Bank

Branches and Savings

Is Amfirst Bank FDIC insured?

Yes. It is covered under FDIC Certificate #5417.

Why does Amfirst Bank pay such low interest on savings accounts?

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

Why are Amfirst Bank CD rates not competitive?

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

Is Amfirst Bank a commercial bank?


Where are Amfirst Bank locations?

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Does Amfirst Bank offer mortgages?

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Does Amfirst Bank offer home equity lines of credit and home equity loans?

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Does Amfirst Bank offer personal loans?

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Does Amfirst Bank offer student loans?

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Background on The Bank

Who owns Amfirst Bank?

How long has Amfirst Bank been around?

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