AVB Bank


322 South Main Street
Broken Arrow, OK 74012
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.65% →
1-Year CD 0.40% 0.70% →
2-Year CD 0.55% 0.75% →
5-Year CD 1.30% 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

AVB Bank is an FDIC insured institution located in Broken Arrow, OK. It was founded in 1905 and has approximately $0.45 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 2326
Date Established 1905
Assets $ 453.49 million
Loans $ 318.40 million
Deposits $ 399.81 million
Capital $ 45.95 million

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

Deposit Rates - July 29, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.12% $25,000 $29,999 Learn More
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.35% $100,000 $199,999 Learn More
12 Mo CD
0.35% $10,000 $14,999 Learn More
12 Mo CD
0.40% $100,000 $199,999 Learn More
18 Mo CD
0.40% $10,000 $14,999 Learn More
18 Mo CD
0.40% $100,000 $199,999 Learn More
24 Mo CD
0.50% $10,000 $14,999 Learn More
24 Mo CD
0.55% $100,000 $199,999 Learn More
36 Mo CD
0.75% $10,000 $14,999 Learn More
36 Mo CD
0.75% $100,000 $199,999 Learn More
48 Mo CD
1.00% $10,000 $14,999 Learn More
48 Mo CD
1.00% $100,000 $199,999 Learn More
60 Mo CD
1.30% $10,000 $14,999 Learn More
60 Mo CD
1.30% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - July 29, 2021

Your Current Location: Connecticut, CT 06828

Auto Loan Rates APR Rate Monthly Payment
3 Year 7.50% 4.75% $746.47
4 Year 7.10% 5.00% $575.73
5 Year 6.95% 5.25% $474.65
6 Year 5.61% 5.50% $408.45

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.


AVB 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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AVB Bank Locations

Financial Details

AVB Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of AVB 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
AVB Bank U.S. Bank Average
0% 5.29%

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 March 31, 2021, AVB Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $45,952,000 in equity and $7,170,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
AVB Bank U.S. Bank Average
7.28% 11.43%

AVB Bank has a Return on Equity of 7.28% versus the BestCashCow average of 11.43%. 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.

AVB Bank U.S. Bank Average
10.13% 11.51%

AVB Bank has a Capitalization of 10.13% versus the BestCashCow average of 11.51. 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.

AVB Bank Balance Sheet Analysis

As of March 31, 2021, AVB Bank had assets of $453,489,000, loans of $318,395,000, and deposits of $399,806,000. 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

March 31, 2021
Cash & Balances due from depository institutions $ 74.39 million
Interest-bearing balances $ 70.63 million
Total securities $ 36.02 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 318.40 million
Loan loss allowance $ 7.17 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 $ 14.12 million
     Total Assets $ 407.54 million
Total deposits $ 399.81 million
      Interest-bearing deposits $ 311.76 million
      Deposits held in domestic offices $ 399.81 million
      % insured (estimated) 69.23%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 5.00 million
Subordinated debt N.A.
All other liabilities $ 2.73 million
      Total Liabilities $ 407.54 million
      Shareholders’ Equity $ 45.95 million

Summary Income Statement

March 31, 2021
Total Interest Income $ 4.50 million
Total Interest Expense $ 0.25 million
Net interest income $ 4.25 million
Provision for loan and lease losses $ 0.30 million
Total non interest income $ 0.42 million
Total non interest expense $ 3.12 million
Pre-tax Net Operating Income $ 1.24 million

Bank Loan Profile?

The top three loan types in AVB Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Oklahoma, AVB Bank has a significantly higher percent of Multifamily Mortgages, Commercial Real Estate 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 26.50
Credit Card Loans 0.02
Consumer Auto Loans 0.16
Small Business Loans 0.00
Construction and Development Loans 7.05
Commercial Real Estate 38.35
Commercial and Industrial Loans 21.30
Farm Loans 0.69

Frequently Asked Questions About Avb Bank

Branches and Savings

Is Avb Bank FDIC insured?

Yes. It is covered under FDIC Certificate #2326.

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

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

Why are Avb Bank CD rates not competitive?

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

Is Avb Bank a commercial bank?


Where are Avb Bank locations?

See branch locations nearby.

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Does Avb Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Avb Bank offer personal loans?

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Background on The Bank

Who owns Avb Bank?

How long has Avb Bank been around?

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