Audubon Savings Bank

515 S White Horse Pike
Audubon, NJ 08106

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 28191
Date Established 1904
Assets $0.16 billion
Loans $0.10 billion
Deposits $0.12 billion
Capital $0.01 billion

Audubon Savings Bank is an FDIC insured institution located in Audubon, NJ. It was founded in 1904 and has approximately $0.16 billion in assets. Customers can open an account at one of its 3 branches.

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.

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 62.98
Multifamily
Mortgages
0.88
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 24.07
Construction and Development Loans 1.08
Commercial Real Estate 35.35
Commercial and Industrial Loans 0.52
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.25% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.30% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.50% $1,000 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.15% $1 $9,999 Learn MoreShow Less
MM 10K
0.20% $10,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.10% $1,000 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

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:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $1,176 Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
3.896% 3.875% 0.25 $628 $1,176 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
Flagstar Bank 4.990% $268.11 Learn More

Note to Audubon Savings Bank
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Branches

Audubon Savings 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


Audubon Savings Bank Locations

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 BestCashCow.com 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
2.64% 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, Audubon Savings Bank had $254,000 in non-current loans and $60,000 in owned real estate. To cover these potential losses it had $11,125,000 in equity and $780,000 in loans loss reserves. That gives it a Texas Ratio of 2.64%. 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
Audubon Savings Bank U.S. Bank Average
1.11% 8.58

Audubon Savings Bank has a Return on Equity of 1.11% 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
Audubon Savings Bank U.S. Bank Average
6.79% 12.11

Audubon Savings Bank has a Capitalization of 6.79% 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.

Audubon Savings Bank Balance Sheet Analysis

As of June 30, 2017, Audubon Savings Bank had assets of $163,871,000, loans of $96,193,000, and deposits of $116,325,000. 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 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?

Yes

Where are Audubon Savings Bank locations?

See branch locations nearby.

Is Audubon Savings Bank open on Saturdays?

Is Audubon Savings Bank open on Sundays?

What time does Audubon Savings Bank open?

What time does Audubon Savings Bank close?

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?

Products

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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