Anstaff Bank

Headquarters

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

Notable Rates APY Vs.Others
Savings N.A. 4.35% →
1-Year CD N.A. 5.00% →
2-Year CD N.A. 4.75% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

2023 Overview

General Bank Information

Anstaff Bank is an FDIC insured institution located in Green Forest, AR. It was founded in 1931 and has approximately $0.98 billion in assets. Customers can open an account at one of its 12 branches.

FDIC Insured Yes
FDIC Certificate # 3869
Date Established 1931
Assets $ 979.90 million
Loans $ 651.89 million
Deposits $ 902.73 million
Capital $ 69.30 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 - February 4, 2023

Your Current Location: Virginia, VA 20146

 

Loan Rates - February 4, 2023

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2023

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Featured - Virginia Home Equity Line Of Credit Rates 2023

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
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6.740 %
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More Info

Note to Anstaff Bank
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Branches

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:
Ashburn,Virginia


Anstaff Bank Locations



Climate Initiatives

Anstaff Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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 BestCashCow.com 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
0.59% 4.06%

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 June 30, 2022, Anstaff Bank had $371,000 in non-current loans and $85,000 in owned real estate. To cover these potential losses it had $69,304,000 in equity and $8,377,000 in loans loss reserves. That gives it a Texas Ratio of 0.59%.

Return on Equity
Anstaff Bank U.S. Bank Average
20.71% 9.98%

Anstaff Bank has a Return on Equity of 20.71% versus the BestCashCow average of 9.98%. 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
Anstaff Bank U.S. Bank Average
7.07% 10.23%

Anstaff Bank has a Capitalization of 7.07% versus the BestCashCow average of 10.23. 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 June 30, 2022, Anstaff Bank had assets of $979,903,000, loans of $651,894,000, and deposits of $902,725,000. 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

June 30, 2022
ASSETS
Cash & Balances due from depository institutions $ 19.71 million
Interest-bearing balances $ 1.25 million
Total securities $ 197.69 million
Federal funds sold and reverse repurchase $ 61.50 million
Net loans and leases $ 651.89 million
Loan loss allowance $ 8.38 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.09 million
Goodwill and other intangibles $ 4.86 million
All other assets $ 25.33 million
     Total Assets $ 910.60 million
LIABILITIES
Total deposits $ 902.73 million
      Interest-bearing deposits $ 774.81 million
      Deposits held in domestic offices $ 902.73 million
      % insured (estimated) 74.50%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 1.31 million
Subordinated debt N.A.
All other liabilities $ 6.56 million
      Total Liabilities $ 910.60 million
      Shareholders’ Equity $ 69.30 million

Summary Income Statement

June 30, 2022
INCOME AND EXPENSES
Total Interest Income $ 18.00 million
Total Interest Expense $ 1.67 million
Net interest income $ 16.33 million
Provision for loan and lease losses $ 0.30 million
Total non interest income $ 2.32 million
Total non interest expense $ 10.23 million
Pre-tax Net Operating Income $ 8.12 million

Bank Loan Profile?

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

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 22.39
Multifamily
Mortgages
1.80
Credit Card Loans 0.15
Consumer Auto Loans 1.61
Small Business Loans 9.57
Construction and Development Loans 6.65
Commercial Real Estate 23.14
Commercial and Industrial Loans 12.71
Farm Loans 4.45

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.

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