Athens State Bank

200 North West Street
Athens, IL 62613

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 9631
Date Established 1910
Assets $0.13 billion
Loans $0.08 billion
Deposits $0.11 billion
Capital $0.01 billion

Athens State Bank is an FDIC insured institution located in Athens, IL. It was founded in 1910 and has approximately $0.13 billion in assets. Customers can open an account at one of its 4 branches.

For a more detailed analysis of Athens State 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 Athens State Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Illinois, Athens State Bank has a significantly higher percent of Consumer Auto Loans 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 47.02
Multifamily
Mortgages
1.49
Credit Card Loans 0.00
Consumer Auto Loans 10.90
Small Business Loans 11.96
Construction and Development Loans 6.83
Commercial Real Estate 14.80
Commercial and Industrial Loans 7.24
Farm Loans 5.77

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.15% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.60% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.15% $1 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
1.10% $1 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.15% $1 $10,000 Learn MoreShow Less
MM 10K
0.20% $10,001 $50,000 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.10% $1 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Athens State 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 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
US Wide Financial
NMLS ID: 55028
License#: MC-5809
3.761% 3.750% -0.13 $335 $1,158 Learn More
Rocket Mortgage
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Athens State Bank
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Branches

Athens State 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


Athens State Bank Locations

Financial Details

Athens State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Athens State 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
Athens State Bank U.S. Bank Average
7.24% 8.45

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, 2017, Athens State Bank had $981,000 in non-current loans and $99,000 in owned real estate. To cover these potential losses it had $14,160,000 in equity and $751,000 in loans loss reserves. That gives it a Texas Ratio of 7.24%. 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
Athens State Bank U.S. Bank Average
10.36% 8.58

Athens State Bank has a Return on Equity of 10.36% versus the BestCashCow average of 8.58. 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
Athens State Bank U.S. Bank Average
10.82% 12.11

Athens State Bank has a Capitalization of 10.82% versus the BestCashCow average of 12.11. 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.

Athens State Bank Balance Sheet Analysis

As of June 30, 2017, Athens State Bank had assets of $130,813,000, loans of $75,882,000, and deposits of $114,505,000. 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.

Frequently Asked Questions About Athens State Bank

Branches and Savings

Is Athens State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #9631.

Why does Athens State Bank pay such low interest on savings accounts?

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

Why are Athens State Bank CD rates not competitive?

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

Is Athens State Bank a commercial bank?

Yes

Where are Athens State Bank locations?

See branch locations nearby.

Is Athens State Bank open on Saturdays?

Is Athens State Bank open on Sundays?

What time does Athens State Bank open?

What time does Athens State Bank close?

Are Athens State Bank ATMs Open 24/7?

Do Athens State Bank ATMs accept cash deposits?

Can Athens State Bank customers use other ATMs?

Do Athens State Bank branches have notaries?

Will Athens State Bank notarize my document?

What address for Athens State Bank should I put for incoming ACH transfers?

Will the Athens State Bank branch print checks?

Do Athens State Bank checks expire?

Does Athens State Bank require US citizenship to open account?

Can Athens State Bank close my account?

Does Athens State Bank Report to credit bureaus?

Does Athens State Bank Use Equifax?

What is Athens State Bank's ACH Routing Number?

What is Athens State Bank's SWIFT code?

Products

Does Athens State Bank offer mortgages?

Compare mortgage rates here.

Does Athens State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Athens State Bank offer personal loans?

Compare personal loan rates here.

Does Athens State Bank offer student loans?

Will Athens State Bank cash a check?

Will Athens State Bank redeem a savings bond?

Does Athens State Bank cash savings bonds?

Will Athens State Bank cash money orders?

Can Athens State Bank issue a money order?

Does Athens State Bank do currency exchange?

Background on The Bank

Who owns Athens State Bank?

How long has Athens State Bank been around?

Can Athens State Bank transfer to other banks?

Does Athens State Bank have quick pay?

Does Athens State Bank accept rolled coins?

Will Athens State Bank accept loose change?

Where is Athens State Bank headquarters?

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