Atascosa Bank

1525 West Oaklawn
Pleasanton, TX 78064


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 24064
Date Established 1982
Assets $0.09 billion
Loans $0.01 billion
Deposits $0.08 billion
Capital $0.01 billion

Atascosa Bank is an FDIC insured institution located in Pleasanton, TX. It was founded in 1982 and has approximately $0.09 billion in assets.

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

Deposit Rates - July 15, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.25% $2,500 $14,999 Learn MoreShow Less
Money Market
0.40% $15,000 - Learn MoreShow Less
0.45% $1 $99,999 Learn MoreShow Less
0.75% $1 $99,999 Learn MoreShow Less
1.00% $1 $99,999 Learn MoreShow Less
1.25% $1 $99,999 Learn MoreShow Less

Variable IRA Rates APY MIN MAX
0.90% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $1,000 - Learn MoreShow Less

Loan Rates - July 15, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Atascosa Bank

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

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Cascadia Mortgage
NMLS ID: 1505422
License#: NMLS #1505422
3.697% 3.625% 0.50 $2,253 $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
NMLS ID: 2890
License#: 520-CL-25944
3.777% 3.750% 0.38 $832 $1,158 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
5.490 %
N/A Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to Atascosa Bank
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Financial Details

Atascosa Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Atascosa 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
Atascosa Bank U.S. Bank Average
0% 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, Atascosa Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $8,446,000 in equity and $195,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Atascosa Bank U.S. Bank Average
13.24% 9.47%

Atascosa Bank has a Return on Equity of 13.24% 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.

Atascosa Bank U.S. Bank Average
9.25% 12.49%

Atascosa Bank has a Capitalization of 9.25% 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.

Atascosa Bank Balance Sheet Analysis

As of March 31, 2019, Atascosa Bank had assets of $91,259,000, loans of $11,766,000, and deposits of $82,704,000. 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 $0.04 billion
Interest-bearing balances $0.04 billion
Total securities $0.04 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.01 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 $0.08 billion
Total deposits $0.08 billion
      Interest-bearing deposits $0.04 billion
      Deposits held in domestic offices $0.08 billion
      % insured (estimated) 57.92%
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 $0.08 billion
      Shareholders’ Equity $0.01 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 Atascosa Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks, Atascosa 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 24.15
Credit Card Loans 0.00
Consumer Auto Loans 1.44
Small Business Loans 0.00
Construction and Development Loans 3.64
Commercial Real Estate 22.93
Commercial and Industrial Loans 17.77
Farm Loans 4.20

Frequently Asked Questions About Atascosa Bank

Branches and Savings

Is Atascosa Bank FDIC insured?

Yes. It is covered under FDIC Certificate #24064.

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

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

Why are Atascosa Bank CD rates not competitive?

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

Is Atascosa Bank a commercial bank?


Where are Atascosa Bank locations?

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Are Atascosa Bank ATMs Open 24/7?

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Does Atascosa Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Atascosa Bank offer personal loans?

Compare personal loan rates here.

Does Atascosa Bank offer student loans?

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Background on The Bank

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Will Atascosa Bank accept loose change?

Where is Atascosa Bank headquarters?

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