Auto Club Trust, FSB


1 Auto Club Dr
Dearborn, MI 48126
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 6.25% →
1-Year CD N.A. 5.25% →
2-Year CD N.A. 5.00% →
5-Year CD N.A. 4.52% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

2023 Overview

General Bank Information

Auto Club Trust, FSB is an FDIC insured institution located in Dearborn, MI. It was founded in 0000 and has approximately $0.53 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 35115
Date Established 0000
Assets $ 528.20 million
Loans $ 291.21 million
Deposits $ 371.15 million
Capital $ 30.71 million

For a more detailed analysis of Auto Club Trust, FSB's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - May 30, 2023

Your Current Location: Virginia, VA 20146


Loan Rates - May 30, 2023

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Auto Club Trust, FSB

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 2023

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
6.626% 6.500%
0.88 points
$3,290 fees
$1,581 Learn More
NMLS ID: 1907
6.932% 6.750%
0.88 points
$4,688 fees
$1,622 Learn More
Good Day Financial, LLC
NMLS ID: 1984206
License#: #: MC-7440
7.155% 6.999%
0.88 points
$4,200 fees
$1,664 Learn More
Rocket Mortgage
NMLS ID: 3030
7.476% 7.375%
1.00 points
$2,500 fees
$1,727 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2023

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.240 %
$0 Learn More
More Info

Note to Auto Club Trust, FSB
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Climate Initiatives

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Financial Details

Auto Club Trust, FSB Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Auto Club Trust, FSB. 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
Auto Club Trust, FSB U.S. Bank Average
4.38% 4.09%

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 December 31, 2022, Auto Club Trust, FSB had $1,585,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $30,713,000 in equity and $5,465,000 in loans loss reserves. That gives it a Texas Ratio of 4.38%.

Return on Equity
Auto Club Trust, FSB U.S. Bank Average
-12.62% 10.02%

Auto Club Trust, FSB has a Return on Equity of -12.62% versus the BestCashCow average of 10.02%. 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.

Auto Club Trust, FSB U.S. Bank Average
5.81% 10.44%

Auto Club Trust, FSB has a Capitalization of 5.81% versus the BestCashCow average of 10.44. 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.

Auto Club Trust, FSB Balance Sheet Analysis

As of December 31, 2022, Auto Club Trust, FSB had assets of $528,198,000, loans of $291,213,000, and deposits of $371,153,000. 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

December 31, 2022
Cash & Balances due from depository institutions $ 20.01 million
Interest-bearing balances $ 19.72 million
Total securities $ 197.67 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 291.21 million
Loan loss allowance $ 5.47 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 $ 20.93 million
     Total Assets $ 497.49 million
Total deposits $ 371.15 million
      Interest-bearing deposits $ 364.82 million
      Deposits held in domestic offices $ 371.15 million
      % insured (estimated) 87.27%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 132.00 million
Subordinated debt N.A.
All other liabilities $ 4.41 million
      Total Liabilities $ 497.49 million
      Shareholders’ Equity $ 30.71 million

Summary Income Statement

December 31, 2022
Total Interest Income $ 21.87 million
Total Interest Expense $ 5.84 million
Net interest income $ 16.04 million
Provision for loan and lease losses $ 3.36 million
Total non interest income $ 9.84 million
Total non interest expense $ 27.46 million
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Auto Club Trust, FSB’s loan portfolio are Consumer Auto Loans, 1-4 Family Residential Loans, and Multifamily Mortgages.

Compared to other banks in Michigan, Auto Club Trust, FSB has a significantly higher percent of Consumer Auto 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 31.98
Credit Card Loans 0.00
Consumer Auto Loans 43.56
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Customer Reviews for Auto Club Trust, FSB

  • April 11, 2018 |

    Since they switched to Dearborn MI it has gone down the tubes big time. Stay away!

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