Armed Forces Bank, National Association

Armed Forces Bank, National Association Locations

Third Street And Kansas Avenue
Fort Leavenworth, KS 66027
1-888-929-2265
www.afbank.com

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Armed Forces Bank, National Association is headquartered in Fort Leavenworth and is the 4^th largest bank in the state of Kansas. It is also the 416^st largest bank in the nation. It was established in 1907 and as of December of 2012, it had grown to 1,017 employees at 78 locations. Armed Forces Bank, National Association has a 3-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Armed Forces Bank, National Association Checking Account Rates

Apy	Min	Max	Product
0.05%	$500	-	Classic Checking
0.05%	$500	-	Platinum Checking

Armed Forces Bank, National Association Savings Account Rates

Apy	Min	Max	Product
0.05%	-	-	Savings
0.05%	-	-	Student Savings

Armed Forces Bank, National Association Money Market Rates

	Apy	Min	Max	Product
	0.25%	$1m	-	Money Market

Armed Forces Bank, National Association CD Rates

Apy	Min	Max	Product
1.15%	$500	-	60 Month CD
0.90%	$500	-	48 Month CD
0.70%	$500	-	36 Month CD
0.65%	$500	-	30 Month CD
0.60%	$500	-	24 Month CD
0.50%	$500	-	18 Month CD
0.40%	$500	-	15 Month CD
0.30%	$500	-	12 Month CD
0.20%	$500	-	9 Month CD
0.15%	$500	-	182 Day CD
0.10%	$500	-	91 Day CD
0.05%	$500	-	30 Day CD

Armed Forces Bank, National Association IRA Rates

Apy	Min	Max	Product
1.15%	$500	-	60 Month IRA
1.15%	$500	-	60 Month Roth IRA
1.15%	$500	-	60 Month CESA
1.15%	$500	-	60 Month SEP IRA
0.90%	$500	-	48 Month IRA
0.90%	$500	-	48 Month Roth IRA
0.90%	$500	-	48 Month CESA
0.90%	$500	-	48 Month SEP IRA
0.70%	$500	-	36 Month IRA
0.70%	$500	-	36 Month Roth IRA
0.70%	$500	-	36 Month CESA
0.70%	$500	-	36 Month SEP IRA
0.65%	$500	-	30 Month IRA
0.65%	$500	-	30 Month Roth IRA
0.65%	$500	-	30 Month CESA
0.65%	$500	-	30 Month SEP IRA
0.60%	$500	-	24 Month IRA
0.60%	$500	-	24 Month Roth IRA
0.60%	$500	-	24 Month CESA
0.60%	$500	-	24 Month SEP IRA
0.50%	$500	-	18 Month IRA
0.50%	$500	-	18 Month Roth IRA
0.50%	$500	-	18 Month CESA
0.50%	$500	-	18 Month SEP IRA
0.40%	$500	-	15 Month IRA
0.40%	$500	-	15 Month Roth IRA
0.40%	$500	-	15 Month CESA
0.40%	$500	-	15 Month SEP IRA
0.30%	$500	-	12 Month IRA
0.30%	$500	-	12 Month Roth IRA
0.30%	$500	-	12 Month CESA
0.30%	$500	-	12 Month SEP IRA
0.20%	$500	-	9 Month IRA
0.20%	$500	-	9 Month Roth IRA
0.20%	$500	-	9 Month CESA
0.20%	$500	-	9 Month SEP IRA
0.15%	$500	-	182 Day IRA
0.15%	$500	-	182 Day Roth IRA
0.15%	$500	-	182 Day CESA
0.15%	$500	-	182 Day SEP IRA
0.10%	$500	-	91 Day IRA
0.10%	$500	-	91 Day Roth IRA
0.10%	$500	-	91 Day CESA
0.10%	$500	-	91 Day SEP IRA

Rates updated: 5/23/2013

Data for Q4 2012

Institution Statistics

Armed Forces Bank, National Association
FDIC Certificate #	4666
BankRate Report	View
Year Established	1907
Employees	1017
Primary Regulator	OCC
Assets and Liabilities
Assets	$1.67 billion
Loans	$475.97 million
Deposits	$1.22 billion
Equity Capital	$310.09 million
Loan Loss Allowance	$77.59 million
Unbacked Noncurrent Loans	$80.48 million
Real Estate Owned	$110.19 million
Historic Data - December 2011
Assets	$1.84 billion
Equity Capital	$291.96 million
Loan Loss Allowance	$95.72 million
Unbacked Noncurrent Loans	$223.89 million
Real Estate Owned	$226.73 million
Profit Margin - Quarterly
Net Interest Margin	2.01%
Return on Assets	0.48%
Return on Equity	2.74%
Interest Income	$39.84 million

Institution Health

Overall Score:

3 out of 5

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, 2012 Armed Forces Bank, National Association had $190.67 million in non-current loans and owned real-estate with $387.68 million in equity and loan loss allowances on hand to cover it. This gives Armed Forces Bank, National Association a Texas Ratio of 49.18% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Armed Forces Bank, National Association decreased significantly from 116.23% as of December 31, 2011 to 49.18% as of December 31, 2012, resulting in a positive change of 57.69%.This indicates that the balance sheet and financial strength for Armed Forces Bank, National Association has improved significantly in recent periods.
Deposit Growth
In the past year, Armed Forces Bank, National Association has decreased its total deposits by -$163.24 million, resulting in -11.77% 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 Armed Forces Bank, National Association has shown is poor.
Capitalization
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. Armed Forces Bank, National Association has $1.67 billion in assets with $387.68 million in equity, resulting in a capitalization level of 23.24%, which is excellent.

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