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503 Chillicothe Street
Portsmouth, OH 45662

American Savings Bank, FSB is headquartered in Portsmouth and is the 75th largest bank in the state of Ohio. It is also the 2,536th largest bank in the nation. It was established in 1892 and as of March of 2014, it had grown to 64 employees at 6 locations. American Savings Bank, FSB has a C+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 American Savings Bank, FSB had $4.53 million in non-current loans and owned real-estate with $26.71 million in equity and loan loss allowances on hand to cover it. This gives American Savings Bank, FSB a Texas Ratio of 16.95% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for American Savings Bank, FSB experienced no significant changes from 16.48% as of March 31, 2013 to 16.95% as of March 31, 2014, resulting in a negative change of 2.86%. This indicates that the balance sheet and financial strength for American Savings Bank, FSB has had no significant changes in recent periods.

Deposit Growth


In the past year, American Savings Bank, FSB has decreased its total deposits by -$17.62 million, resulting in -7.72% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth American Savings Bank, FSB has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. American Savings Bank, FSB has $252.36 million in assets with $26.71 million in equity, resulting in a capitalization level of 10.59%, which is above average.

Institution Statistics

FDIC Certificate #29597
Year Established1892
Primary RegulatorOCC
Assets and Liabilities
Assets$252.36 million
Loans$189.37 million
Deposits$210.64 million
Equity Capital$24.78 million
Loan Loss Allowance$1.94 million
Unbacked Noncurrent Loans$4.05 million
Real Estate Owned$475,000
Historic Data - March 2013
Assets$267.49 million
Equity Capital$22.44 million
Loan Loss Allowance$2.23 million
Unbacked Noncurrent Loans$4.05 million
Real Estate Owned$309,000
Profit Margin - Quarterly
Net Interest Margin3.41%
Return on Assets0.26%
Return on Equity2.67%
Interest Income$2.54 million
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American Savings Bank, FSB Savings Account Rates

0.15%$100k-Statement Savings
0.15%$10k-Health Savings Account
0.05%--Christmas Club

American Savings Bank, FSB Money Market Rates

0.25%$50k-Investors Money Market Account

American Savings Bank, FSB Checking Account Rates

0.01%$1k-Basic Business Checking

American Savings Bank, FSB Locations
Waverly Building and Loan Co. Branch118 N Market StWaverly, OH 45690
South Shore Branch347 James Hannah DriveSouth Shore, KY 41175
American Savings Bank, FSB503 Chillicothe StreetPortsmouth, OH 45662
Madeira Branch7114 Miami AvenueMadeira, OH 45243
7920 Ohio River Rd7920 Ohio River RdWheelersburg, OH 45694
Cottage Savings Bank Branch9813 Montgomery RoadMontgomery, OH 45242