AztecAmerica Bank

Headquarters

2136 South Oak Park Avenue
Berwyn, IL 60402
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 1.05% →
2-Year CD N.A. 1.11% →
5-Year CD N.A. 1.56% →
30-Year Mortgage N.A. 2.88% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 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 - August 13, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - August 13, 2020

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2020

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Payment
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Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.914% 2.875% 0.50 $1,250 $1,038 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

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People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 Learn More
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Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
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Note to AztecAmerica Bank
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Branches

AztecAmerica Bank 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:
Fairfield,Connecticut


AztecAmerica Bank Locations


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 BestCashCow.com 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% 6.94%

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, 2020, 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% 7.80%

AztecAmerica Bank has a Return on Equity of -169.53% versus the BestCashCow average of 7.80%. 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
AztecAmerica Bank U.S. Bank Average
1.37% 12.68%

AztecAmerica Bank has a Capitalization of 1.37% versus the BestCashCow average of 12.68. 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

March 31, 2020
ASSETS
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.
LIABILITIES
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

March 31, 2020
INCOME AND EXPENSES
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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 29.34
Multifamily
Mortgages
2.11
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

Frequently Asked Questions About Aztecamerica Bank

Branches and Savings

Is Aztecamerica Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57866.

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

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

Why are Aztecamerica Bank CD rates not competitive?

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

Is Aztecamerica Bank a commercial bank?

Yes

Where are Aztecamerica Bank locations?

See branch locations nearby.

Is Aztecamerica Bank open on Saturdays?

Is Aztecamerica Bank open on Sundays?

What time does Aztecamerica Bank open?

What time does Aztecamerica Bank close?

Are Aztecamerica Bank ATMs Open 24/7?

Do Aztecamerica Bank ATMs accept cash deposits?

Can Aztecamerica Bank customers use other ATMs?

Do Aztecamerica Bank branches have notaries?

Will Aztecamerica Bank notarize my document?

What address for Aztecamerica Bank should I put for incoming ACH transfers?

Will the Aztecamerica Bank branch print checks?

Do Aztecamerica Bank checks expire?

Does Aztecamerica Bank require US citizenship to open account?

Can Aztecamerica Bank close my account?

Does Aztecamerica Bank Report to credit bureaus?

Does Aztecamerica Bank Use Equifax?

What is Aztecamerica Bank's ACH Routing Number?

What is Aztecamerica Bank's SWIFT code?

Products

Does Aztecamerica Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Aztecamerica Bank offer personal loans?

Compare personal loan rates here.

Does Aztecamerica Bank offer student loans?

Will Aztecamerica Bank cash a check?

Will Aztecamerica Bank redeem a savings bond?

Does Aztecamerica Bank cash savings bonds?

Will Aztecamerica Bank cash money orders?

Can Aztecamerica Bank issue a money order?

Does Aztecamerica Bank do currency exchange?

Background on The Bank

Who owns Aztecamerica Bank?

How long has Aztecamerica Bank been around?

Can Aztecamerica Bank transfer to other banks?

Does Aztecamerica Bank have quick pay?

Does Aztecamerica Bank accept rolled coins?

Will Aztecamerica Bank accept loose change?

Where is Aztecamerica Bank headquarters?

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