Auto Club Trust, FSB

One Auto Club Drive
Dearborn, MI 48126

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 35115
Date Established 1999
Assets $0.44 billion
Loans $0.26 billion
Deposits $0.33 billion
Capital $0.06 billion

Auto Club Trust, FSB is an FDIC insured institution located in Dearborn, MI. It was founded in 1999 and has approximately $0.44 billion in assets. Customers can open an account at one of its 4 branches.

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.

Bank Loan Profile?

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

Compared to other banks in Michigan, Auto Club Trust, FSB has a significantly higher percent of 1-4 Family Residential Loans, 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 78.55
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 22.16
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

Savings Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Auto Club Trust, Fsb, but see these great savings and CD rates:


Loan Rates

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 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
HomeDirect Mortgage
NMLS ID: 420821
3.888% 3.875% 0.13 $497 $1,176 Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $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 Auto Club Trust, FSB
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Branches

Auto Club Trust, FSB 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


Auto Club Trust, Fsb Locations

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 BestCashCow.com 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
0.86% 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, Auto Club Trust, FSB had $522,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $58,920,000 in equity and $2,050,000 in loans loss reserves. That gives it a Texas Ratio of 0.86%. 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
Auto Club Trust, FSB U.S. Bank Average
-1.64% 8.58

Auto Club Trust, FSB has a Return on Equity of -1.64% 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
Auto Club Trust, FSB U.S. Bank Average
13.32% 12.11

Auto Club Trust, FSB has a Capitalization of 13.32% 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.

Auto Club Trust, FSB Balance Sheet Analysis

As of June 30, 2017, Auto Club Trust, FSB had assets of $442,200,000, loans of $259,308,000, and deposits of $333,622,000. 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 Auto Club Trust, FSB

Branches and Savings

Is Auto Club Trust, FSB FDIC insured?

Yes. It is covered under FDIC Certificate #35115.

Why does Auto Club Trust, FSB pay such low interest on savings accounts?

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

Why are Auto Club Trust, FSB CD rates not competitive?

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

Is Auto Club Trust, FSB a commercial bank?

Yes

Where are Auto Club Trust, FSB locations?

See branch locations nearby.

Is Auto Club Trust, FSB open on Saturdays?

Is Auto Club Trust, FSB open on Sundays?

What time does Auto Club Trust, FSB open?

What time does Auto Club Trust, FSB close?

Are Auto Club Trust, FSB ATMs Open 24/7?

Do Auto Club Trust, FSB ATMs accept cash deposits?

Can Auto Club Trust, FSB customers use other ATMs?

Do Auto Club Trust, FSB branches have notaries?

Will Auto Club Trust, FSB notarize my document?

What address for Auto Club Trust, FSB should I put for incoming ACH transfers?

Will the Auto Club Trust, FSB branch print checks?

Do Auto Club Trust, FSB checks expire?

Does Auto Club Trust, FSB require US citizenship to open account?

Can Auto Club Trust, FSB close my account?

Does Auto Club Trust, FSB Report to credit bureaus?

Does Auto Club Trust, FSB Use Equifax?

What is Auto Club Trust, FSB's ACH Routing Number?

What is Auto Club Trust, FSB's SWIFT code?

Products

Does Auto Club Trust, FSB offer mortgages?

Compare mortgage rates here.

Does Auto Club Trust, FSB offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Auto Club Trust, FSB offer personal loans?

Compare personal loan rates here.

Does Auto Club Trust, FSB offer student loans?

Will Auto Club Trust, FSB cash a check?

Will Auto Club Trust, FSB redeem a savings bond?

Does Auto Club Trust, FSB cash savings bonds?

Will Auto Club Trust, FSB cash money orders?

Can Auto Club Trust, FSB issue a money order?

Does Auto Club Trust, FSB do currency exchange?

Background on The Bank

Who owns Auto Club Trust, FSB?

How long has Auto Club Trust, FSB been around?

Can Auto Club Trust, FSB transfer to other banks?

Does Auto Club Trust, FSB have quick pay?

Does Auto Club Trust, FSB accept rolled coins?

Will Auto Club Trust, FSB accept loose change?

Where is Auto Club Trust, FSB headquarters?

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