The American Bank

201 East Cherokee Street
Wagoner, OK 74467

Notable Rates APY Vs.Others
Savings N.A. 2.20% →
1-Year CD N.A. 2.20% →
2-Year CD N.A. 2.20% →
5-Year CD N.A. 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

The American Bank is an FDIC insured institution located in Wagoner, OK. It was founded in 1923 and has approximately $0.03 billion in assets.

FDIC Insured Yes
FDIC Certificate # 2312
Date Established 1923
Assets $0.03 billion
Loans $0.00 billion
Deposits $0.02 billion
Capital $0.01 billion

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

Deposit Rates - February 22, 2020

Your Current Location: Connecticut, CT 06828

There are currently no rates available for The American Bank, but see these great savings and CD rates:

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Loan Rates - February 22, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for The American 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

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.284% 3.250% 0.38 $1,070 $1,089 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Eastern Bank
Eastern Bank
4.250 %
$25,000 Learn More
More Info
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to The American Bank
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Financial Details

The American Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The American 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
The American Bank U.S. Bank Average
0% 6.70%

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 September 30, 2019, The American Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $6,722,000 in equity and $64,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
The American Bank U.S. Bank Average
2.47% 9.72%

The American Bank has a Return on Equity of 2.47% versus the BestCashCow average of 9.72%. 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.

The American Bank U.S. Bank Average
23.17% 12.89%

The American Bank has a Capitalization of 23.17% versus the BestCashCow average of 12.89. 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.

The American Bank Balance Sheet Analysis

As of September 30, 2019, The American Bank had assets of $29,009,000, loans of $4,995,000, and deposits of $22,281,000. 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

September 30, 2019
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.00 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 $0.02 billion
Total deposits $0.02 billion
      Interest-bearing deposits $0.02 billion
      Deposits held in domestic offices $0.02 billion
      % insured (estimated) 83.24%
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 $0.02 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

September 30, 2019
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 The American Bank’s loan portfolio are Commercial Real Estate, Consumer Auto Loans, and 1-4 Family Residential Loans.

Compared to other banks in Oklahoma, The American Bank has a significantly higher percent of Consumer Auto Loans 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 14.79
Credit Card Loans 0.00
Consumer Auto Loans 15.70
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 17.62
Commercial and Industrial Loans 6.73
Farm Loans 14.09

Frequently Asked Questions About The American Bank

Branches and Savings

Is The American Bank FDIC insured?

Yes. It is covered under FDIC Certificate #2312.

Why does The 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 The American Bank CD rates not competitive?

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

Is The American Bank a commercial bank?


Where are The American Bank locations?

See branch locations nearby.

Is The American Bank open on Saturdays?

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Are The American Bank ATMs Open 24/7?

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Will The American Bank notarize my document?

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Do The American Bank checks expire?

Does The American Bank require US citizenship to open account?

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Does The American Bank Report to credit bureaus?

Does The American Bank Use Equifax?

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Does The American Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does The American Bank offer personal loans?

Compare personal loan rates here.

Does The American Bank offer student loans?

Will The American Bank cash a check?

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Does The American Bank cash savings bonds?

Will The American Bank cash money orders?

Can The American Bank issue a money order?

Does The American Bank do currency exchange?

Background on The Bank

Who owns The American Bank?

How long has The American Bank been around?

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Does The American Bank accept rolled coins?

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