AztecAmerica Bank


2136 South Oak Park Avenue
Berwyn, IL 60402
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Notable Rates APY Vs.Others
Savings N.A. 5.40% →
1-Year CD N.A. 5.77% →
2-Year CD N.A. 5.50% →
5-Year CD N.A. 5.25% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

2023 Overview

General Bank Information

AztecAmerica Bank is an FDIC insured institution located in Berwyn, IL. It was founded in 2005 and has approximately $0.07 billion in assets.

FDIC Insured Yes
FDIC Certificate # 57866
Date Established 2005
Assets $ 66.31 million
Loans $ 43.42 million
Deposits $ 65.03 million
Capital $ 0.91 million

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

Deposit Rates - November 28, 2023

Your Current Location: Virginia, VA 20146


Loan Rates - November 28, 2023

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for AztecAmerica 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 2023

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NMLS ID: 491986

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Featured - Virginia Home Equity Line Of Credit Rates 2023

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Financial Details

AztecAmerica Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of AztecAmerica Bank. 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
AztecAmerica Bank U.S. Bank Average
590.53% 3.82%

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 June 30, 2023, AztecAmerica Bank had $7,005,000 in non-current loans and $8,514,000 in owned real estate. To cover these potential losses it had $910,000 in equity and $1,718,000 in loans loss reserves. That gives it a Texas Ratio of 590.53%.

Return on Equity
AztecAmerica Bank U.S. Bank Average
-169.53% 13.18%

AztecAmerica Bank has a Return on Equity of -169.53% versus the BestCashCow average of 13.18%. 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.

AztecAmerica Bank U.S. Bank Average
1.37% 10.43%

AztecAmerica Bank has a Capitalization of 1.37% versus the BestCashCow average of 10.43. 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.

AztecAmerica Bank Balance Sheet Analysis

As of March 31, 2014, AztecAmerica Bank had assets of $66,309,000, loans of $43,419,000, and deposits of $65,031,000. 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

June 30, 2023
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 43.42 million
Loan loss allowance $ 1.72 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 8.51 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 65.03 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 66.31 million

Summary Income Statement

June 30, 2023
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

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

Compared to other banks in Illinois, AztecAmerica Bank has a significantly higher percent of Small Business Loans, 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 29.34
Credit Card Loans 0.00
Consumer Auto Loans 0.02
Small Business Loans 35.84
Construction and Development Loans 2.91
Commercial Real Estate 63.67
Commercial and Industrial Loans 5.87
Farm Loans 0.00

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