American Eagle Bank
South Elgin, Illinois · FDIC Cert #57359
American Eagle Bank is an FDIC-insured bank (Certificate #57359) with $445M in total assets and $334M in total deposits as of the Q2 2024 Call Report. Headquartered in South Elgin, Illinois, the bank maintains a Tier 1 capital ratio of 10.61% (Well-Capitalized) and a nonperforming loan ratio of 0.03%. BankHealthData assigns a composite Health Grade of B (66/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
American Eagle Bank (FDIC cert 57359) is a community bank — $445M in total assets, $334M in deposits, serving the South Elgin, Illinois area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 10.61% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.03% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 13.5% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is thin: ROA of 0.54% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. American Eagle Bank carries a composite BankHealth grade of B (66/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: American Eagle Bank
- Total Assets
- $445M
- Total Deposits
- $334M
- Tier 1 Capital Ratio
- 10.61%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.03%
- Liquidity Ratio
- 13.51%
- Return on Assets
- 0.54%
- Headquarters
- South Elgin, Illinois
- FDIC Certificate
- #57359
- Health Grade
- B (66/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, American Eagle Bank holds a Tier 1 capital ratio of 10.61%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning American Eagle Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
American Eagle Bank shows strong financial health indicators. With $445M in assets and a Health Score of 66/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How American Eagle Bank Compares
American Eagle Bank’s Health Score of 66 is 6 points below the Illinois state average of 72 across 333 FDIC-insured banks. Its 10.61% Tier 1 capital ratio is 3.4 points below the US banking industry average near 14%. The 0.03% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.54% is below the national ROA benchmark of ~1.1%. Among 1504 similarly-sized banks, the average Health Score is 70, meaning this bank ranks below its size cohort. Site-wide, American Eagle Bank is 4 points below the portfolio average of 70.
Frequently Asked Questions
American Eagle Bank has a Bank Health Score of B (66/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 10.61%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. American Eagle Bank's Tier 1 capital ratio of 10.61% and nonperforming loan ratio of 0.03% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at American Eagle Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #57359). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
American Eagle Bank holds $445M in total assets and $334M in total deposits. It is headquartered in South Elgin, Illinois (FDIC Certificate #57359).
American Eagle Bank has a Tier 1 capital ratio of 10.61%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.03%, and the return on assets is 0.54%.
Yes. American Eagle Bank is FDIC-insured (Certificate #57359). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
American Eagle Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.