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9th And Main Streets
Dubuque, IA 52001

American Trust & Savings Bank (IA) is headquartered in Dubuque and is the 14st largest bank in the state of Iowa. It is also the 697th largest bank in the nation. It was established in 1905 and as of December of 2013, it had grown to 277 employees at 11 locations. American Trust & Savings Bank (IA)'s money market rates are 3X the national average, and it has a B health rating.

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Reviews (3)

Unwilling To Open An Account

So my wife and I showed up at 11:15 on Saturday (Yesterday) to find a teller and a person at the desk.  She offered to help us and then when she figured out we needed to open a Reward Account, she said they would call us when someone was a available and we could come back in.  This was not by any means what we would define as acceptable service.  We took our business to another bank and opened it before noon.

Lowered Deposit

This bank is not up front about having customers make $23 transactions to qualify for the interest. It has also lowered its maximum deposit to $15000 to qualify for the higher interest. They shut down your debit card if you don't make the $23/transactions. Not a very trustworthy bank.

Minimum $23 Per Transaction

Be aware this bank does not state it on their website, but they require you to make $23 transactions in order to count. If you don't adhere to their rules they will shut down your debit card without notice. This bank is not upfront on their reward checking account rules.


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 American Trust & Savings Bank (IA) had $15.16 million in non-current loans and owned real-estate with $108.8 million in equity and loan loss allowances on hand to cover it. This gives American Trust & Savings Bank (IA) a Texas Ratio of 13.93% 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 Trust & Savings Bank (IA) decreased slightly from 18.46% as of December 31, 2012 to 13.93% as of December 31, 2013, resulting in a positive change of 24.54%.This indicates that the balance sheet and financial strength for American Trust & Savings Bank (IA) has improved slightly in recent periods.

Deposit Growth


In the past year, American Trust & Savings Bank (IA) has decreased its total deposits by -$48.69 million, resulting in -5.84% 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 Trust & Savings Bank (IA) 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 Trust & Savings Bank (IA) has $956.57 million in assets with $108.8 million in equity, resulting in a capitalization level of 11.37%, which is excellent.

Institution Statistics

FDIC Certificate #13150
Year Established1905
Primary RegulatorFED
Assets and Liabilities
Assets$956.57 million
Loans$708.81 million
Deposits$784.49 million
Equity Capital$99.05 million
Loan Loss Allowance$9.76 million
Unbacked Noncurrent Loans$9.41 million
Real Estate Owned$5.75 million
Historic Data - December 2012
Assets$971.16 million
Equity Capital$93.53 million
Loan Loss Allowance$9.71 million
Unbacked Noncurrent Loans$9.41 million
Real Estate Owned$7.87 million
Profit Margin - Quarterly
Net Interest Margin3.25%
Return on Assets0.73%
Return on Equity7%
Interest Income$32.63 million

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American Trust & Savings Bank (IA) Savings Account Rates

0.10%--Savings Account

American Trust & Savings Bank (IA) Money Market Rates

1.51%--IRA Money Market
0.20%$100k-Money Market Investment Account

American Trust & Savings Bank (IA) Checking Account Rates

0.10%--Interest Checking

American Trust & Savings Bank (IA) CD Rates

1.51%$25k-60 Month CD
0.75%$50k-36 Month CD
0.65%$50k-30 Month CD
0.60%$50k-24 Month CD
0.55%$5k-10 Month Special CD
0.50%$5k-18 Month CD
0.50%$2k-21 Month CD
0.45%$50k-12 Month CD
0.35%$10k-9 Month Liquid CD
0.35%$50k-6 Month CD
0.35%$25k-9 Month CD
0.10%$50k-3 Month CD

American Trust & Savings Bank (IA) has 11 locations. Click to view all American Trust & Savings Bank (IA) locations.