One American Bank

549 Broadway
Centerville, SD 57014

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 6078
Date Established 1883
Assets $0.09 billion
Loans $0.06 billion
Deposits $0.08 billion
Capital $0.01 billion

One American Bank is an FDIC insured institution located in Centerville, SD. It was founded in 1883 and has approximately $0.09 billion in assets. Customers can open an account at one of its 3 branches.

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

Deposit Rates - August 19, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.20% $1 $4,999 Learn MoreShow Less
Money Market
0.35% $5,000 $49,999 Learn MoreShow Less
Premium Money Market Account
2.00% $25,000 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.25% $500 - Learn MoreShow Less
6 Mo CD
0.50% $500 - Learn MoreShow Less
Special: 11 Mo CD
2.01% $5,000 - Learn MoreShow Less
12 Mo CD
0.79% $500 - Learn MoreShow Less
18 Mo CD
0.91% $500 - Learn MoreShow Less
24 Mo CD
1.21% $500 - Learn MoreShow Less
Special: 25 Mo CD
2.41% $5,000 - Learn MoreShow Less
30 Mo CD
1.26% $500 - Learn MoreShow Less
36 Mo CD
1.38% $500 - Learn MoreShow Less
48 Mo CD
1.59% $500 - Learn MoreShow Less
Special: 51 Mo CD
2.69% $5,000 - Learn MoreShow Less
60 Mo CD
1.79% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.21% $500 - Learn MoreShow Less
Special: 11 Mo FIRA
2.01% $5,000 - Learn MoreShow Less
Special: 25 Mo FIRA
2.41% $5,000 - Learn MoreShow Less
Special: 51 Mo FIRA
2.69% $5,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.55% $50 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $2,500 $9,999 Learn MoreShow Less

Loan Rates - August 19, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for One American 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 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Triangle Lending Group, Inc.
NMLS ID: 64446
License#: MC-5531
3.419% 3.375% 0.13 $1,397 $1,106 Learn More
Hamilton National Mortgage Co.
NMLS ID: 122701
3.517% 3.500% 0.25 $525 $1,123 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.414% 3.375% 0.50 $1,238 $1,106 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to One American Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

One American 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


One American Bank Locations


Financial Details

One American Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of One American 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
One American Bank U.S. Bank Average
10.86% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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, 2019, One American Bank had $1,898,000 in non-current loans and $11,000 in owned real estate. To cover these potential losses it had $14,424,000 in equity and $3,148,000 in loans loss reserves. That gives it a Texas Ratio of 10.86%.

Return on Equity
One American Bank U.S. Bank Average
0.08% 9.47%

One American Bank has a Return on Equity of 0.08% versus the BestCashCow average of 9.47%. 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
One American Bank U.S. Bank Average
15.81% 12.49%

One American Bank has a Capitalization of 15.81% versus the BestCashCow average of 12.49. 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.

One American Bank Balance Sheet Analysis

As of March 31, 2019, One American Bank had assets of $91,228,000, loans of $61,810,000, and deposits of $75,257,000. 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, 2019
ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.02 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.06 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.08 billion
LIABILITIES
Total deposits $0.08 billion
      Interest-bearing deposits $0.06 billion
      Deposits held in domestic offices $0.08 billion
      % insured (estimated) 85.79%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.08 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in One American Bank’s loan portfolio are Commercial Real Estate, Credit Card Loans, and Commercial and Industrial Loans.

Compared to other banks in South Dakota, One American Bank has a significantly higher percent of Multifamily Mortgages, 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 3.97
Multifamily
Mortgages
6.85
Credit Card Loans 21.33
Consumer Auto Loans 0.45
Small Business Loans 17.95
Construction and Development Loans 3.36
Commercial Real Estate 32.92
Commercial and Industrial Loans 19.19
Farm Loans 7.94

Frequently Asked Questions About One American Bank

Branches and Savings

Is One American Bank FDIC insured?

Yes. It is covered under FDIC Certificate #6078.

Why does One American Bank pay such low interest on savings accounts?

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

Why are One American Bank CD rates not competitive?

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

Is One American Bank a commercial bank?

Yes

Where are One American Bank locations?

See branch locations nearby.

Is One American Bank open on Saturdays?

Is One American Bank open on Sundays?

What time does One American Bank open?

What time does One American Bank close?

Are One American Bank ATMs Open 24/7?

Do One American Bank ATMs accept cash deposits?

Can One American Bank customers use other ATMs?

Do One American Bank branches have notaries?

Will One American Bank notarize my document?

What address for One American Bank should I put for incoming ACH transfers?

Will the One American Bank branch print checks?

Do One American Bank checks expire?

Does One American Bank require US citizenship to open account?

Can One American Bank close my account?

Does One American Bank Report to credit bureaus?

Does One American Bank Use Equifax?

What is One American Bank's ACH Routing Number?

What is One American Bank's SWIFT code?

Products

Does One American Bank offer mortgages?

Compare mortgage rates here.

Does One American Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does One American Bank offer personal loans?

Compare personal loan rates here.

Does One American Bank offer student loans?

Will One American Bank cash a check?

Will One American Bank redeem a savings bond?

Does One American Bank cash savings bonds?

Will One American Bank cash money orders?

Can One American Bank issue a money order?

Does One American Bank do currency exchange?

Background on The Bank

Who owns One American Bank?

How long has One American Bank been around?

Can One American Bank transfer to other banks?

Does One American Bank have quick pay?

Does One American Bank accept rolled coins?

Will One American Bank accept loose change?

Where is One American Bank headquarters?

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