Atlantic Community Bankers Bank

Headquarters

1400 Market Street
Camp Hill, PA 17011
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.91% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Atlantic Community Bankers Bank is an FDIC insured institution located in Camp Hill, PA. It was founded in 1983 and has approximately $0.81 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 24829
Date Established 1983
Assets $ 805.48 million
Loans $ 368.21 million
Deposits $ 441.82 million
Capital $ 104.65 million
 

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

Deposit Rates - October 31, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - October 31, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Atlantic Community Bankers 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 2020

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3.746% 3.625% 1.00 $3,750 $1,141 Learn More
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Featured - Virginia Home Equity Line Of Credit Rates 2020

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2.240 %
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Note to Atlantic Community Bankers Bank
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Branches

Atlantic Community Bankers 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


Atlantic Community Bankers Bank Locations


Financial Details

Atlantic Community Bankers Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Atlantic Community Bankers 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
Atlantic Community Bankers Bank U.S. Bank Average
0.16% 6.94%

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 March 31, 2020, Atlantic Community Bankers Bank had $182,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $104,650,000 in equity and $9,121,000 in loans loss reserves. That gives it a Texas Ratio of 0.16%.

Return on Equity
Atlantic Community Bankers Bank U.S. Bank Average
1.04% 7.80%

Atlantic Community Bankers Bank has a Return on Equity of 1.04% versus the BestCashCow average of 7.80%. 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
Atlantic Community Bankers Bank U.S. Bank Average
12.99% 12.68%

Atlantic Community Bankers Bank has a Capitalization of 12.99% versus the BestCashCow average of 12.68. 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.

Atlantic Community Bankers Bank Balance Sheet Analysis

As of March 31, 2020, Atlantic Community Bankers Bank had assets of $805,479,000, loans of $368,213,000, and deposits of $441,824,000. 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, 2020
ASSETS
Cash & Balances due from depository institutions $ 249.43 million
Interest-bearing balances $ 167.08 million
Total securities $ 127.81 million
Federal funds sold and reverse repurchase $ 12.43 million
Net loans and leases $ 368.21 million
Loan loss allowance $ 9.12 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 1.18 million
All other assets $ 43.94 million
     Total Assets $ 700.83 million
LIABILITIES
Total deposits $ 441.82 million
      Interest-bearing deposits $ 118.56 million
      Deposits held in domestic offices $ 441.82 million
      % insured (estimated) 39.76%
Federal funds purchased and repurchase agreements $ 144.06 million
Trading liabilities N.A.
Other borrowed funds $ 103.35 million
Subordinated debt N.A.
All other liabilities $ 11.59 million
      Total Liabilities $ 700.83 million
      Shareholders’ Equity $ 104.65 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 5.81 million
Total Interest Expense $ 1.94 million
Net interest income $ 3.88 million
Provision for loan and lease losses $ 1.07 million
Total non interest income $ 5.53 million
Total non interest expense $ 7.94 million
Pre-tax Net Operating Income $ 0.39 million

Bank Loan Profile?

The top three loan types in Atlantic Community Bankers Bank’s loan portfolio are Commercial Real Estate, Multifamily Mortgages, and Construction and Development Loans.

Compared to other banks in Pennsylvania, Atlantic Community Bankers Bank has a significantly higher percent of Multifamily Mortgages, Construction and Development Loans, Commercial Real Estate 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 6.67
Multifamily
Mortgages
11.99
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 3.38
Construction and Development Loans 10.38
Commercial Real Estate 60.50
Commercial and Industrial Loans 3.56
Farm Loans 0.00

Frequently Asked Questions About Atlantic Community Bankers Bank

Branches and Savings

Is Atlantic Community Bankers Bank FDIC insured?

Yes. It is covered under FDIC Certificate #24829.

Why does Atlantic Community Bankers Bank pay such low interest on savings accounts?

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

Why are Atlantic Community Bankers Bank CD rates not competitive?

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

Is Atlantic Community Bankers Bank a commercial bank?

Yes

Where are Atlantic Community Bankers Bank locations?

See branch locations nearby.

Is Atlantic Community Bankers Bank open on Saturdays?

Is Atlantic Community Bankers Bank open on Sundays?

What time does Atlantic Community Bankers Bank open?

What time does Atlantic Community Bankers Bank close?

Are Atlantic Community Bankers Bank ATMs Open 24/7?

Do Atlantic Community Bankers Bank ATMs accept cash deposits?

Can Atlantic Community Bankers Bank customers use other ATMs?

Do Atlantic Community Bankers Bank branches have notaries?

Will Atlantic Community Bankers Bank notarize my document?

What address for Atlantic Community Bankers Bank should I put for incoming ACH transfers?

Will the Atlantic Community Bankers Bank branch print checks?

Do Atlantic Community Bankers Bank checks expire?

Does Atlantic Community Bankers Bank require US citizenship to open account?

Can Atlantic Community Bankers Bank close my account?

Does Atlantic Community Bankers Bank Report to credit bureaus?

Does Atlantic Community Bankers Bank Use Equifax?

What is Atlantic Community Bankers Bank's ACH Routing Number?

What is Atlantic Community Bankers Bank's SWIFT code?

Products

Does Atlantic Community Bankers Bank offer mortgages?

Compare mortgage rates here.

Does Atlantic Community Bankers Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Atlantic Community Bankers Bank offer personal loans?

Compare personal loan rates here.

Does Atlantic Community Bankers Bank offer student loans?

Will Atlantic Community Bankers Bank cash a check?

Will Atlantic Community Bankers Bank redeem a savings bond?

Does Atlantic Community Bankers Bank cash savings bonds?

Will Atlantic Community Bankers Bank cash money orders?

Can Atlantic Community Bankers Bank issue a money order?

Does Atlantic Community Bankers Bank do currency exchange?

Background on The Bank

Who owns Atlantic Community Bankers Bank?

How long has Atlantic Community Bankers Bank been around?

Can Atlantic Community Bankers Bank transfer to other banks?

Does Atlantic Community Bankers Bank have quick pay?

Does Atlantic Community Bankers Bank accept rolled coins?

Will Atlantic Community Bankers Bank accept loose change?

Where is Atlantic Community Bankers Bank headquarters?

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