Atkins Savings Bank & Trust


97 Main Avenue
Atkins, IA 52206
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Notable Rates APY Vs.Others
Savings 0.50% 0.85% →
1-Year CD 0.50% 0.85% →
2-Year CD 0.75% 0.87% →
5-Year CD 0.95% 1.30% →
30-Year Mortgage N.A. 2.81% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2022 Overview

General Bank Information

Atkins Savings Bank & Trust is an FDIC insured institution located in Atkins, IA. It was founded in 1915 and has approximately $0.12 billion in assets.

FDIC Insured Yes
FDIC Certificate # 9096
Date Established 1915
Assets $ 122.54 million
Loans $ 69.96 million
Deposits $ 106.01 million
Capital $ 15.73 million

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

Deposit Rates - January 21, 2022

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
0.50% $2,500 $4,999 Learn More
Money Market
0.25% $2,500 $2,999 Learn More
Money Market
0.25% $10,000 $14,999 Learn More
Money Market
0.25% $25,000 $29,999 Learn More
6 Mo CD
0.25% $1,000 - Learn More
12 Mo CD
0.50% $1,000 - Learn More
18 Mo CD
0.65% $1,000 - Learn More
24 Mo CD
0.75% $1,000 - Learn More
36 Mo CD
0.85% $1,000 - Learn More
60 Mo CD
0.95% $1,000 - Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.25% $2,500 $3,499 Learn MoreShow Less

Loan Rates - January 21, 2022

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Atkins Savings Bank & Trust

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 2022

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 7147
License#: CL-7147
3.204% 3.125%
0.63 points
$2,510 fees
$1,071 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.250% 4.125%
1.00 points
$3,750 fees
$1,212 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
4.840 %
$0 Learn More
More Info

Note to Atkins Savings Bank & Trust
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Climate Initiatives

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Financial Details

Atkins Savings Bank & Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Atkins Savings Bank & Trust. 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
Atkins Savings Bank & Trust U.S. Bank Average
2.51% 4.33%

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 September 30, 2021, Atkins Savings Bank & Trust had $419,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $15,732,000 in equity and $930,000 in loans loss reserves. That gives it a Texas Ratio of 2.51%.

Return on Equity
Atkins Savings Bank & Trust U.S. Bank Average
16.09% 11.13%

Atkins Savings Bank & Trust has a Return on Equity of 16.09% versus the BestCashCow average of 11.13%. 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.

Atkins Savings Bank & Trust U.S. Bank Average
12.84% 11.79%

Atkins Savings Bank & Trust has a Capitalization of 12.84% versus the BestCashCow average of 11.79. 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.

Atkins Savings Bank & Trust Balance Sheet Analysis

As of September 30, 2021, Atkins Savings Bank & Trust had assets of $122,539,000, loans of $69,961,000, and deposits of $106,006,000. 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

September 30, 2021
Cash & Balances due from depository institutions $ 4.19 million
Interest-bearing balances $ 2.58 million
Total securities $ 46.25 million
Federal funds sold and reverse repurchase $ 0.21 million
Net loans and leases $ 69.96 million
Loan loss allowance $ 0.93 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 1.70 million
     Total Assets $ 106.81 million
Total deposits $ 106.01 million
      Interest-bearing deposits $ 82.99 million
      Deposits held in domestic offices $ 106.01 million
      % insured (estimated) 84.83%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.80 million
      Total Liabilities $ 106.81 million
      Shareholders’ Equity $ 15.73 million

Summary Income Statement

September 30, 2021
Total Interest Income $ 3.79 million
Total Interest Expense $ 0.72 million
Net interest income $ 3.07 million
Provision for loan and lease losses $ 0.06 million
Total non interest income $ 0.15 million
Total non interest expense $ 1.17 million
Pre-tax Net Operating Income $ 1.98 million

Bank Loan Profile?

The top three loan types in Atkins Savings Bank & Trust’s loan portfolio are Farm Loans, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, Atkins Savings Bank & Trust’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 20.85
Credit Card Loans 0.00
Consumer Auto Loans 3.19
Small Business Loans 0.00
Construction and Development Loans 2.18
Commercial Real Estate 8.42
Commercial and Industrial Loans 11.68
Farm Loans 21.52

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