Availa Bank

126 West 6th
Carroll, IA 51401

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 11771
Date Established 1870
Assets $0.65 billion
Loans $0.39 billion
Deposits $0.56 billion
Capital $0.07 billion

Availa Bank is an FDIC insured institution located in Carroll, IA. It was founded in 1870 and has approximately $0.65 billion in assets. Customers can open an account at one of its 10 branches.

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.

Bank Loan Profile?

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

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 17.56
Multifamily
Mortgages
2.45
Credit Card Loans 0.00
Consumer Auto Loans 0.67
Small Business Loans 7.11
Construction and Development Loans 3.88
Commercial Real Estate 16.48
Commercial and Industrial Loans 13.34
Farm Loans 23.72

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.15% $500 - Learn MoreShow Less
3 Mo CD 10K
0.05% $500 - Learn MoreShow Less
6 Mo CD 10K
0.10% $500 - Learn MoreShow Less
6 Mo CD 10K
0.20% $500 - Learn MoreShow Less
6 Mo CD 10K
0.30% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.05% $1 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.20% $500 - Learn MoreShow Less
Fixed IRA 0K
0.30% $500 - Learn MoreShow Less
Fixed IRA 0K
0.50% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.80% $1 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.05% $2,500 $9,999 Learn MoreShow Less
MM 10K
0.05% $10,000 $24,999 Learn MoreShow Less
MM 10K
0.10% $10,000 $24,999 Learn MoreShow Less
MM 25K
0.10% $25,000 $49,999 Learn MoreShow Less
MM 25K
0.15% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1 - Learn MoreShow Less

Loan Rates

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 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $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 Availa Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

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.

Your Location:
Ashburn,Virginia


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
10.15% 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, Availa Bank had $6,543,000 in non-current loans and $1,374,000 in owned real estate. To cover these potential losses it had $72,687,000 in equity and $5,304,000 in loans loss reserves. That gives it a Texas Ratio of 10.15%. 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
Availa Bank U.S. Bank Average
6% 8.58

Availa Bank has a Return on Equity of 6% 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
Availa Bank U.S. Bank Average
11.21% 12.11

Availa Bank has a Capitalization of 11.21% 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.

Availa Bank Balance Sheet Analysis

As of June 30, 2017, Availa Bank had assets of $648,625,000, loans of $385,837,000, and deposits of $555,168,000. 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 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?

Yes

Where are Availa Bank locations?

See branch locations nearby.

Is Availa Bank open on Saturdays?

Is Availa Bank open on Sundays?

What time does Availa Bank open?

What time does Availa Bank close?

Are Availa Bank ATMs Open 24/7?

Do Availa Bank ATMs accept cash deposits?

Can Availa Bank customers use other ATMs?

Do Availa Bank branches have notaries?

Will Availa Bank notarize my document?

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

Will the Availa Bank branch print checks?

Do Availa Bank checks expire?

Does Availa Bank require US citizenship to open account?

Can Availa Bank close my account?

Does Availa Bank Report to credit bureaus?

Does Availa Bank Use Equifax?

What is Availa Bank's ACH Routing Number?

What is Availa Bank's SWIFT code?

Products

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?

Will Availa Bank cash a check?

Will Availa Bank redeem a savings bond?

Does Availa Bank cash savings bonds?

Will Availa Bank cash money orders?

Can Availa Bank issue a money order?

Does Availa Bank do currency exchange?

Background on The Bank

Who owns Availa Bank?

How long has Availa Bank been around?

Can Availa Bank transfer to other banks?

Does Availa Bank have quick pay?

Does Availa Bank accept rolled coins?

Will Availa Bank accept loose change?

Where is Availa Bank headquarters?

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