Amfirst Bank

602 West B Street
Mccook, NE 69001

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 5417
Date Established 1905
Assets $0.25 billion
Loans $0.19 billion
Deposits $0.21 billion
Capital $0.03 billion

Amfirst Bank is an FDIC insured institution located in Mccook, NE. It was founded in 1905 and has approximately $0.25 billion in assets. Customers can open an account via one of its 5 branches.

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.

Bank Loan Profile?

The top three loan types in Amfirst Bank’s loan portfolio are Farm Loans, Commercial Real Estate, 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 7.74
Multifamily
Mortgages
0.44
Credit Card Loans 0.00
Consumer Auto Loans 6.48
Small Business Loans 12.67
Construction and Development Loans 7.99
Commercial Real Estate 23.74
Commercial and Industrial Loans 10.37
Farm Loans 28.04

Savings Rates

Your Current Location: Virginia, VA 20146

Loan Rates

Your Current Location: Virginia, VA 20146

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Branches

Amfirst 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:
Ashburn,Virginia


Amfirst Bank Locations

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. Please remember that all banks listed on BestCashCow.com are FDIC insured while all credit unions are similarly insured by the NCUA. No depositor has ever lost money while their funds have been insured by the FDIC or NCUA.

Texas Ratio
Amfirst Bank U.S. Bank Average
6.44% 9.11%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2016, Amfirst Bank had $377,000 in non-current loans and $1,477,000 in owned real estate. To cover these potential losses it had $26,057,000 in equity and $2,743,000 in loans loss reserves. That gives it a Texas Ratio of 6.44%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Amfirst Bank U.S. Bank Average
7.08% 9.45%

Amfirst Bank has a Return on Equity of 7.08% versus the BestCashCow average of 9.45%. 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
Amfirst Bank U.S. Bank Average
10.29% 11.28%

Amfirst Bank has a Capitalization of 10.29% versus the BestCashCow average of 11.28%. 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, 2016, Amfirst Bank had assets of $253,324,000, loans of $187,351,000, and deposits of $212,929,000. 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.

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