Audubon State Bank

315 Broadway
Audubon, IA 50025

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 5814
Date Established 1876
Assets $0.11 billion
Loans $0.08 billion
Deposits $0.09 billion
Capital $0.01 billion

Audubon State Bank is an FDIC insured institution located in Audubon, IA. It was founded in 1876 and has approximately $0.11 billion in assets. Customers can open an account at one of its 2 branches.

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

Compared to other banks, Audubon State Bank’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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 14.23
Multifamily
Mortgages
0.73
Credit Card Loans 0.00
Consumer Auto Loans 3.62
Small Business Loans 5.21
Construction and Development Loans 6.10
Commercial Real Estate 14.23
Commercial and Industrial Loans 8.75
Farm Loans 29.84

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.75% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.85% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Variable IRA Rates APY MIN MAX
Var IRA 0K
1.11% $1 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.05% $1 $9,999 Learn MoreShow Less
MM 10K
0.10% $10,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Audubon 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
vLoan
NMLS ID: 2229
License#: MC-5591
4.064% 4.000% 0.25 $1,938 $1,194 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 Audubon State Bank
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Branches

Audubon 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


Audubon State Bank Locations

Financial Details

Audubon State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Audubon 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
Audubon State Bank U.S. Bank Average
0.89% 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 State Bank had $113,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $12,627,000 in equity and $136,000 in loans loss reserves. That gives it a Texas Ratio of 0.89%. 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 State Bank U.S. Bank Average
7.23% 8.58

Audubon State Bank has a Return on Equity of 7.23% 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 State Bank U.S. Bank Average
11.92% 12.11

Audubon State Bank has a Capitalization of 11.92% 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 State Bank Balance Sheet Analysis

As of June 30, 2017, Audubon State Bank had assets of $105,953,000, loans of $79,823,000, and deposits of $91,221,000. 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 State Bank

Branches and Savings

Is Audubon State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #5814.

Why does Audubon 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 Audubon State Bank CD rates not competitive?

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

Is Audubon State Bank a commercial bank?

Yes

Where are Audubon State Bank locations?

See branch locations nearby.

Is Audubon State Bank open on Saturdays?

Is Audubon State Bank open on Sundays?

What time does Audubon State Bank open?

What time does Audubon State Bank close?

Are Audubon State Bank ATMs Open 24/7?

Do Audubon State Bank ATMs accept cash deposits?

Can Audubon State Bank customers use other ATMs?

Do Audubon State Bank branches have notaries?

Will Audubon State Bank notarize my document?

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

Will the Audubon State Bank branch print checks?

Do Audubon State Bank checks expire?

Does Audubon State Bank require US citizenship to open account?

Can Audubon State Bank close my account?

Does Audubon State Bank Report to credit bureaus?

Does Audubon State Bank Use Equifax?

What is Audubon State Bank's ACH Routing Number?

What is Audubon State Bank's SWIFT code?

Products

Does Audubon State Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Audubon State Bank offer personal loans?

Compare personal loan rates here.

Does Audubon State Bank offer student loans?

Will Audubon State Bank cash a check?

Will Audubon State Bank redeem a savings bond?

Does Audubon State Bank cash savings bonds?

Will Audubon State Bank cash money orders?

Can Audubon State Bank issue a money order?

Does Audubon State Bank do currency exchange?

Background on The Bank

Who owns Audubon State Bank?

How long has Audubon State Bank been around?

Can Audubon State Bank transfer to other banks?

Does Audubon State Bank have quick pay?

Does Audubon State Bank accept rolled coins?

Will Audubon State Bank accept loose change?

Where is Audubon State Bank headquarters?

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