American Trust & Savings Bank
Headquarters
9th And Main Streets
Dubuque, IA 52001
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2024 Overview
General Bank Information
American Trust & Savings Bank is an FDIC insured institution located in Dubuque, IA. It was founded in 1905 and has approximately $1.23 billion in assets. Customers can open an account at one of its 11 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 13150 |
| Date Established | 1905 |
| Assets | $ 1,248.39 million |
| Loans | $ 994.26 million |
| Deposits | $ 989.34 million |
| Capital | $ 134.49 million |
For a more detailed analysis of American Trust & Savings Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - December 12, 2024
Your Current Location: Ohio, OH 43085
Loan Rates - December 12, 2024
Your Current Location: Ohio, OH 43085
| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year | 3.00% | 3.00% | $449.22 |
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Loan
See Table |
6.00% | 6.00% | $843.86 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
6.40% | 6.38% | $2,765.60 | |
| 20 Year Fixed Conforming See Amortization Table |
6.89% | 6.88% | $2,457.00 | |
| 30 Year Fixed Conforming See Amortization Table |
7.01% | 7.00% | $2,128.97 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
6.40% | 6.38% | $2,765.60 | |
| 20 Year Fixed Conforming See Amortization Table |
6.89% | 6.88% | $2,457.00 | |
| 30 Year Fixed Conforming See Amortization Table |
7.01% | 7.00% | $2,128.97 | |
Compare with 6.226% APR and 6.125% 30-Year Fixed RATE from District Lending
See All Mortgage Rates |
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Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
American Trust & Savings 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:
Columbus,Ohio
American Trust & Savings Bank Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 442.00 | A | View Lobby Hours | |
| 442.74 | B | View Lobby Hours | |
| 442.79 | C | View Lobby Hours | |
| 443.61 | D | View Lobby Hours | |
| 444.17 | E | View Lobby Hours | |
| 444.95 | F | View Lobby Hours | |
| 447.01 | G | View Lobby Hours | |
| 457.66 | H | View Lobby Hours | |
| 463.81 | I | View Lobby Hours | |
| 464.48 | J | View Lobby Hours | |
| 583.01 | K | View Lobby Hours |
Climate Policy and Initiatives
American Trust & Savings Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
American Trust & Savings Bank Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of American Trust & Savings 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
| American Trust & Savings Bank | U.S. Bank Average |
|---|---|
| 7.19% | 4.48% |
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, 2024, American Trust & Savings Bank had $7,074,000 in non-current loans and $3,400,000 in owned real estate. To cover these potential losses it had $134,486,000 in equity and $11,135,000 in loans loss reserves. That gives it a Texas Ratio of 7.19%.
Return on Equity
| American Trust & Savings Bank | U.S. Bank Average |
|---|---|
| 9.37% | 10.46% |
American Trust & Savings Bank has a Return on Equity of 9.37% versus the BestCashCow average of 10.46%. 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
| American Trust & Savings Bank | U.S. Bank Average |
|---|---|
| 10.77% | 10.84% |
American Trust & Savings Bank has a Capitalization of 10.77% versus the BestCashCow average of 10.84. 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.
American Trust & Savings Bank Balance Sheet Analysis
As of March 31, 2019, American Trust & Savings Bank had assets of $1,234,462,000, loans of $994,257,000, and deposits of $989,341,000. 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, 2024| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 96.95 million |
| Interest-bearing balances | $ 74.88 million |
| Total securities | $ 89.06 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 994.26 million |
| Loan loss allowance | $ 11.14 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 3.40 million |
| Goodwill and other intangibles | $ 7.09 million |
| All other assets | $ 31.32 million |
| Total Assets | $ 1,099.98 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 989.34 million |
| Interest-bearing deposits | $ 793.79 million |
| Deposits held in domestic offices | $ 989.34 million |
| % insured (estimated) | 63.85% |
| Federal funds purchased and repurchase agreements | $ 59.63 million |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 36.00 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 15.01 million |
| Total Liabilities | $ 1,099.98 million |
| Shareholders’ Equity | $ 148.41 million |
Summary Income Statement
June 30, 2024| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 11.33 million |
| Total Interest Expense | $ 2.88 million |
| Net interest income | $ 8.44 million |
| Provision for loan and lease losses | $ 0.25 million |
| Total non interest income | $ 6.04 million |
| Total non interest expense | $ 10.79 million |
| Pre-tax Net Operating Income | $ 3.45 million |
Bank Loan Profile?
The top three loan types in American Trust & Savings Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.
Compared to other banks in Iowa, American Trust & Savings Bank has a significantly higher percent of Multifamily Mortgages, Credit Card Loans, Construction and Development Loans, Commercial Real Estate, Commercial and Industrial 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.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 13.41 | ✓ | ||
| Multifamily Mortgages |
6.51 | ✓ | ||
| Credit Card Loans | 0.47 | ✓ | ||
| Consumer Auto Loans | 1.72 | ✓ | ||
| Small Business Loans | 6.99 | ✓ | ||
| Construction and Development Loans | 9.36 | ✓ | ||
| Commercial Real Estate | 26.21 | ✓ | ||
| Commercial and Industrial Loans | 18.67 | ✓ | ||
| Farm Loans | 3.29 | ✓ | ||
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