American Trust and Savings Bank

Overview / Commentary

563-582-1841

309 Mckinley Avenue
Lowden, IA 52255

American Trust and Savings Bank is headquartered in Lowden and is the 270^th largest bank in the state of Iowa. It is also the 5,103^rd largest bank in the nation. It was established in 1913 and as of June of 2019, it had grown to 5 employees at 1 location. American Trust and Savings Bank's savings rates are 44% higher than the national average, and it has a B health rating.

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Health

Data as of Q2 2019

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. American Trust and Savings Bank has a low asset base.

Health Grade Components

Overall
FDIC Certificate #	10120
Year Established	1913
Employees	5
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.38%
Return on Equity - YTD	2.03%
Annual Interest Income	$561.00K

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$32.7MM$34.6MM
Loans	Q2 2019vs Q2 2018	$8.6MM$9.1MM
Deposits	Q2 2019vs Q2 2018	$25.5MM$27.6MM
Equity Capital	Q2 2019vs Q2 2018	$6.4MM$6.2MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$256.00K$209.00K
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$11.00K$33.00K
Real Estate Owned	Q2 2019vs Q2 2018	$0$0

Rates

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Savings
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

American Trust and Savings Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.97%	$1k	-	IRA Savings
0.75%^*	$100k^*	-	HI-FI Accounts
OTHER TIERS: 0.20% → $2.5k - $10k \| 0.25% → $10k - $25k \| 0.35% → $25k - $50k \| 0.45% → $50k - $100k
0.25%	-	-	Regular Savings

American Trust and Savings Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	$2.5k	-	SUPER NOW Account
0.10%	$1k	-	NOW Account

American Trust and Savings Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.96%^*	$10k^*	-	48 Month CD
OTHER TIERS: 1.25% → $1k - $10k
1.25%^*	$10k^*	-	36 Month CD
OTHER TIERS: 1.05% → $1k - $10k
1.15%^*	$10k^*	-	30 Month CD
OTHER TIERS: 0.95% → $1k - $10k
1.05%^*	$10k^*	-	24 Month CD
OTHER TIERS: 0.85% → $1k - $10k
0.95%^*	$10k^*	-	18 Month CD
OTHER TIERS: 0.75% → $1k - $10k
0.85%^*	$10k^*	-	12 Month CD
OTHER TIERS: 0.65% → $1k - $10k
0.65%^*	$10k^*	-	182 Day CD
OTHER TIERS: 0.40% → $1k - $10k
0.40%^*	$10k^*	-	91 Day CD
OTHER TIERS: 0.20% → $1k - $10k

Locations

American Trust and Savings Bank Locations
American Trust and Savings Bank	309 Mckinley Avenue	Lowden, IA 52255

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