Availa Bank


126 West 6th
Carroll, IA 51401
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.02% 0.65% →
1-Year CD 0.25% 0.70% →
2-Year CD 0.50% 0.75% →
5-Year CD 0.80% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Availa Bank is an FDIC insured institution located in Carroll, IA. It was founded in 1870 and has approximately $1.3 billion in assets. Customers can open an account at one of its 13 branches.

FDIC Insured Yes
FDIC Certificate # 11771
Date Established 1870
Assets $ 1,303.81 million
Loans $ 797.75 million
Deposits $ 1,093.97 million
Capital $ 135.63 million

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

Deposit Rates - June 24, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.02% $1 $9,999 Learn More
Money Market
0.02% $1 $9,999 Learn More
Money Market
0.05% $10,000 $24,999 Learn More
Money Market
0.10% $25,000 $49,999 Learn More
6 Mo CD
0.15% $500 - Learn More
12 Mo CD
0.25% $500 - Learn More
Special: 13 Mo CD
0.50% $1 - Learn More
18 Mo CD
0.35% $500 - Learn More
24 Mo CD
0.50% $500 - Learn More
Special: 36 Mo CD
0.70% $1 - Learn More
36 Mo CD
0.60% $500 - Learn More
48 Mo CD
0.70% $500 - Learn More
60 Mo CD
0.80% $500 - Learn More

Special: 12 Mo FIRA
0.50% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.65% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.02% $1 $9,999 Learn MoreShow Less

Loan Rates - June 24, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Availa 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 2021

Lender APR Rate (%) Monthly
Learn More
CIT Bank
NMLS ID: 541760
2.997% 2.950%
0.63 points
$1,508 fees
$1,048 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.990 %
After Intro: 4.840 %
Intro Period: 12 months
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Availa Bank
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Availa Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Availa Bank Locations

Financial Details

Availa Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Availa 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
Availa Bank U.S. Bank Average
2.11% 5.49%

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, 2020, Availa Bank had $1,921,000 in non-current loans and $1,122,000 in owned real estate. To cover these potential losses it had $135,628,000 in equity and $8,382,000 in loans loss reserves. That gives it a Texas Ratio of 2.11%.

Return on Equity
Availa Bank U.S. Bank Average
8.42% 9.24%

Availa Bank has a Return on Equity of 8.42% versus the BestCashCow average of 9.24%. 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.

Availa Bank U.S. Bank Average
10.4% 11.96%

Availa Bank has a Capitalization of 10.4% versus the BestCashCow average of 11.96. 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.

Availa Bank Balance Sheet Analysis

As of December 31, 2020, Availa Bank had assets of $1,303,810,000, loans of $797,752,000, and deposits of $1,093,969,000. 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, 2020
Cash & Balances due from depository institutions $ 89.71 million
Interest-bearing balances $ 68.96 million
Total securities $ 301.18 million
Federal funds sold and reverse repurchase $ 31.15 million
Net loans and leases $ 797.75 million
Loan loss allowance $ 8.38 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.12 million
Goodwill and other intangibles $ 24.09 million
All other assets $ 32.77 million
     Total Assets $ 1,168.18 million
Total deposits $ 1,093.97 million
      Interest-bearing deposits $ 911.64 million
      Deposits held in domestic offices $ 1,093.97 million
      % insured (estimated) 85.21%
Federal funds purchased and repurchase agreements $ 42.72 million
Trading liabilities N.A.
Other borrowed funds $ 14.50 million
Subordinated debt N.A.
All other liabilities $ 16.99 million
      Total Liabilities $ 1,168.18 million
      Shareholders’ Equity $ 135.63 million

Summary Income Statement

December 31, 2020
Total Interest Income $ 42.45 million
Total Interest Expense $ 7.61 million
Net interest income $ 34.84 million
Provision for loan and lease losses $ 0.15 million
Total non interest income $ 4.10 million
Total non interest expense $ 27.00 million
Pre-tax Net Operating Income $ 11.78 million

Bank Loan Profile?

The top three loan types in Availa Bank’s loan portfolio are Commercial Real Estate, Farm Loans, and Commercial and Industrial Loans.

Compared to other banks, Availa 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 15.38
Credit Card Loans 0.00
Consumer Auto Loans 0.44
Small Business Loans 5.83
Construction and Development Loans 3.53
Commercial Real Estate 17.91
Commercial and Industrial Loans 17.09
Farm Loans 17.86

Frequently Asked Questions About Availa Bank

Branches and Savings

Is Availa Bank FDIC insured?

Yes. It is covered under FDIC Certificate #11771.

Why does Availa Bank pay such low interest on savings accounts?

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

Why are Availa Bank CD rates not competitive?

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

Is Availa Bank a commercial bank?


Where are Availa Bank locations?

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Does Availa Bank require US citizenship to open account?

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Does Availa Bank offer mortgages?

Compare mortgage rates here.

Does Availa Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Availa Bank offer personal loans?

Compare personal loan rates here.

Does Availa Bank offer student loans?

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Background on The Bank

Who owns Availa Bank?

How long has Availa Bank been around?

Can Availa Bank transfer to other banks?

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Will Availa Bank accept loose change?

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