Anstaff Bank


100 First National Avenue
Green Forest, AR 72638
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.40% →
1-Year CD 0.40% 1.15% →
2-Year CD 0.75% 1.26% →
5-Year CD 1.00% 2.25% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Anstaff Bank is an FDIC insured institution located in Green Forest, AR. It was founded in 1931 and has approximately $0.72 billion in assets. Customers can open an account at one of its 12 branches.

FDIC Insured Yes
FDIC Certificate # 3869
Date Established 1931
Assets $ 715.94 million
Loans $ 530.34 million
Deposits $ 635.07 million
Capital $ 70.47 million

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

Deposit Rates - July 4, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.10% $1 - Learn More
Money Market
0.10% $1 $9,999 Learn More
Money Market
0.20% $10,000 $34,999 Learn More
3 Mo CD
0.15% $500 - Learn More
6 Mo CD
0.35% $500 - Learn More
Special: 9 Mo CD
0.75% $5,000 - Learn More
12 Mo CD
0.40% $500 - Learn More
24 Mo CD
0.75% $500 - Learn More
36 Mo CD
0.85% $500 - Learn More
48 Mo CD
0.90% $500 - Learn More
60 Mo CD
1.00% $500 - Learn More

Fixed IRA
0.40% $500 - Learn MoreShow Less
Special: 9 Mo FIRA
0.75% $5,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.25% $25 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 - Learn MoreShow Less

Loan Rates - July 4, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Anstaff Bank

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.039% 3.000% 0.50 $1,250 $1,055 Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

Note to Anstaff Bank
To upload and update your bank's rates please register. It is free to register and add rates.


Anstaff 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:

Anstaff Bank Locations

Financial Details

Anstaff Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Anstaff 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
Anstaff Bank U.S. Bank Average
3.54% 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, Anstaff Bank had $2,410,000 in non-current loans and $312,000 in owned real estate. To cover these potential losses it had $70,473,000 in equity and $6,490,000 in loans loss reserves. That gives it a Texas Ratio of 3.54%.

Return on Equity
Anstaff Bank U.S. Bank Average
13.49% 9.41%

Anstaff Bank has a Return on Equity of 13.49% 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.

Anstaff Bank U.S. Bank Average
9.84% 12.82%

Anstaff Bank has a Capitalization of 9.84% 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.

Anstaff Bank Balance Sheet Analysis

As of December 31, 2019, Anstaff Bank had assets of $715,939,000, loans of $530,337,000, and deposits of $635,072,000. 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
Cash & Balances due from depository institutions $ 13.04 million
Interest-bearing balances $ 2.37 million
Total securities $ 97.32 million
Federal funds sold and reverse repurchase $ 25.90 million
Net loans and leases $ 530.34 million
Loan loss allowance $ 6.49 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.31 million
Goodwill and other intangibles $ 5.33 million
All other assets $ 24.48 million
     Total Assets $ 645.47 million
Total deposits $ 635.07 million
      Interest-bearing deposits $ 569.53 million
      Deposits held in domestic offices $ 635.07 million
      % insured (estimated) 79.96%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 4.87 million
Subordinated debt N.A.
All other liabilities $ 5.52 million
      Total Liabilities $ 645.47 million
      Shareholders’ Equity $ 70.47 million

Summary Income Statement

December 31, 2019
Total Interest Income $ 30.79 million
Total Interest Expense $ 6.71 million
Net interest income $ 24.08 million
Provision for loan and lease losses $ 0.97 million
Total non interest income $ 3.41 million
Total non interest expense $ 17.54 million
Pre-tax Net Operating Income $ 8.98 million

Bank Loan Profile?

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

Compared to other banks, Anstaff 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 23.46
Credit Card Loans 0.19
Consumer Auto Loans 1.70
Small Business Loans 10.52
Construction and Development Loans 7.12
Commercial Real Estate 19.85
Commercial and Industrial Loans 10.20
Farm Loans 6.39

Frequently Asked Questions About Anstaff Bank

Branches and Savings

Is Anstaff Bank FDIC insured?

Yes. It is covered under FDIC Certificate #3869.

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

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

Why are Anstaff Bank CD rates not competitive?

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

Is Anstaff Bank a commercial bank?


Where are Anstaff Bank locations?

See branch locations nearby.

Is Anstaff Bank open on Saturdays?

Is Anstaff Bank open on Sundays?

What time does Anstaff Bank open?

What time does Anstaff Bank close?

Are Anstaff Bank ATMs Open 24/7?

Do Anstaff Bank ATMs accept cash deposits?

Can Anstaff Bank customers use other ATMs?

Do Anstaff Bank branches have notaries?

Will Anstaff Bank notarize my document?

What address for Anstaff Bank should I put for incoming ACH transfers?

Will the Anstaff Bank branch print checks?

Do Anstaff Bank checks expire?

Does Anstaff Bank require US citizenship to open account?

Can Anstaff Bank close my account?

Does Anstaff Bank Report to credit bureaus?

Does Anstaff Bank Use Equifax?

What is Anstaff Bank's ACH Routing Number?

What is Anstaff Bank's SWIFT code?


Does Anstaff Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Anstaff Bank offer personal loans?

Compare personal loan rates here.

Does Anstaff Bank offer student loans?

Will Anstaff Bank cash a check?

Will Anstaff Bank redeem a savings bond?

Does Anstaff Bank cash savings bonds?

Will Anstaff Bank cash money orders?

Can Anstaff Bank issue a money order?

Does Anstaff Bank do currency exchange?

Background on The Bank

Who owns Anstaff Bank?

How long has Anstaff Bank been around?

Can Anstaff Bank transfer to other banks?

Does Anstaff Bank have quick pay?

Does Anstaff Bank accept rolled coins?

Will Anstaff Bank accept loose change?

Where is Anstaff Bank headquarters?

Customer Reviews for Anstaff Bank

  • October 18, 2019 |

    Anstaff Bank has to be the absolute worst bank I have ever used. I opened an account with them to have a secondary checking account that I could use as a source for other funds in case my main bank was off-line or my cash flow was interrupted, or if any other issue came up, I kept around 1000.00 "emergency" cash in this checking account. I was in the market to refinance my home and talked to the people here and was told to bring in my tax documents to see what loan products I would qualify for, I made all the copies of my tax documents, etc., brought them in to the bank and was told I would hear from someone the next week. Two months went by with no word whatsoever from any Anstaff bank personnel. I Requested they destroy my tax documents as I was interested in a different bank's offer and was frankly upset that they just left me in the dust and never contacted me at all. The next problem I had with this bank is the fact that if you do not log into your on-line account for 90 days, they disable your on-line account. You are unable to access your account until you call, wait on hold, and find a person that is capable of reestablishing your online account, this was a challenge for the lady I talked to. the next issue this bank does to it's customers is, if you do not use your debit card for a period of time, it too is disabled. No notice, no letter, no email, the only way you will know is if you attempt to use the debit card and it is rejected for an "unknown" reason. I went to the account on line and attempted to use the form mail on their web site to ask why my card was not working, filled out the form, submitted the "Contact Us" email, a few minutes later, I got an email back. The attempt to send email to them was rejected by their server. The email bounced. They do not even have the brains to administer an email system. Again you have to contact the bank, and find a person that has the authority, and required intelligence level to reset your debit card to being active again.
    I have had this happen to me twice in the few years I was a customer at this nightmare of a bank. Recently I noticed again that my Debit card had expired, by looking at it this time, and called them to find out why I was not issued a new card, after 3 calls and 3 different answers as to what happened to my new card, a 4th call revealed that, again, the card was cancelled because I had not used it for 90 days, and they don't renew cancelled cards. For the second time. This is just unacceptable to me, No notice, no alerts, no email (attempted to use the online email contact us form and yet again, 2 years later, it bounced back to me with some error in the Anstaff Email system, This is beyond pathetic for a bank, ANY bank. Called them today, and told them I have decided to close my account, and take my $998.99 elsewhere for safe keeping.. Since I have ZERO access to my money at this bank. Be warned, this is NOT the bank you want to use for any banking service, believe me, they DO NOT CARE AT ALL about their customers.

Add Your Review

Rate it here →