Audubon Savings Bank

515 S White Horse Pike
Audubon, NJ 08106

Notable Rates APY Vs.Others
Savings N.A. 2.60% →
1-Year CD N.A. 2.25% →
2-Year CD N.A. 2.50% →
5-Year CD N.A. 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Audubon Savings Bank is an FDIC insured institution located in Audubon, NJ. It was founded in 1904 and has approximately $0.15 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 28191
Date Established 1904
Assets $0.16 billion
Loans $0.09 billion
Deposits $0.11 billion
Capital $0.01 billion

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

Deposit Rates - November 21, 2019

Your Current Location: Washington, WA 98109

There are currently no rates available for Audubon Savings Bank, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - November 21, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Audubon Savings Bank

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

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4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

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Figure Home Equity Line
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0.000 %
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Third Federal Savings and Loans
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3.740 %
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Note to Audubon Savings Bank
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Financial Details

Audubon Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Audubon Savings 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
Audubon Savings Bank U.S. Bank Average
1.37% 6.77%

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 June 30, 2019, Audubon Savings Bank had $136,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $9,171,000 in equity and $769,000 in loans loss reserves. That gives it a Texas Ratio of 1.37%.

Return on Equity
Audubon Savings Bank U.S. Bank Average
-2.11% 9.50%

Audubon Savings Bank has a Return on Equity of -2.11% versus the BestCashCow average of 9.50%. 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.

Audubon Savings Bank U.S. Bank Average
5.85% 12.76%

Audubon Savings Bank has a Capitalization of 5.85% versus the BestCashCow average of 12.76. 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.

Audubon Savings Bank Balance Sheet Analysis

As of June 30, 2018, Audubon Savings Bank had assets of $150,006,000, loans of $87,688,000, and deposits of $108,239,000. 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, 2019
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.04 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.09 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 $0.01 billion
     Total Assets $0.14 billion
Total deposits $0.11 billion
      Interest-bearing deposits $0.10 billion
      Deposits held in domestic offices $0.11 billion
      % insured (estimated) 87.61%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.03 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.14 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

June 30, 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 Audubon Savings Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in New Jersey, Audubon Savings Bank has a significantly higher percent of Small Business 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 65.47
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 21.71
Construction and Development Loans 2.37
Commercial Real Estate 31.91
Commercial and Industrial Loans 0.52
Farm Loans 0.00

Frequently Asked Questions About Audubon Savings Bank

Branches and Savings

Is Audubon Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #28191.

Why does Audubon Savings Bank pay such low interest on savings accounts?

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

Why are Audubon Savings Bank CD rates not competitive?

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

Is Audubon Savings Bank a commercial bank?


Where are Audubon Savings Bank locations?

See branch locations nearby.

Is Audubon Savings Bank open on Saturdays?

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What time does Audubon Savings Bank open?

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Are Audubon Savings Bank ATMs Open 24/7?

Do Audubon Savings Bank ATMs accept cash deposits?

Can Audubon Savings Bank customers use other ATMs?

Do Audubon Savings Bank branches have notaries?

Will Audubon Savings Bank notarize my document?

What address for Audubon Savings Bank should I put for incoming ACH transfers?

Will the Audubon Savings Bank branch print checks?

Do Audubon Savings Bank checks expire?

Does Audubon Savings Bank require US citizenship to open account?

Can Audubon Savings Bank close my account?

Does Audubon Savings Bank Report to credit bureaus?

Does Audubon Savings Bank Use Equifax?

What is Audubon Savings Bank's ACH Routing Number?

What is Audubon Savings Bank's SWIFT code?


Does Audubon Savings Bank offer mortgages?

Compare mortgage rates here.

Does Audubon Savings Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Audubon Savings Bank offer personal loans?

Compare personal loan rates here.

Does Audubon Savings Bank offer student loans?

Will Audubon Savings Bank cash a check?

Will Audubon Savings Bank redeem a savings bond?

Does Audubon Savings Bank cash savings bonds?

Will Audubon Savings Bank cash money orders?

Can Audubon Savings Bank issue a money order?

Does Audubon Savings Bank do currency exchange?

Background on The Bank

Who owns Audubon Savings Bank?

How long has Audubon Savings Bank been around?

Can Audubon Savings Bank transfer to other banks?

Does Audubon Savings Bank have quick pay?

Does Audubon Savings Bank accept rolled coins?

Will Audubon Savings Bank accept loose change?

Where is Audubon Savings Bank headquarters?

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