Auto Club Trust, FSB
Dearborn, MI
IDRSSD: 2860459
Total Assets
$466.09M
Latest filing
Total Deposits
$339.07M
Latest filing
Net Interest Margin
1.46%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 11/30/1999 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 48126 |
| State and County Number | 26163 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 33 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Detroit-Warren-Dearborn, MI |
Operational Info
| Number of Employees | 65 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 04/01/2025 |
| Date of Deposit Insurance | 11/30/1999 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/28/2025 |
| CERT | 35115 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $466.09M |
| Total Deposits | $339.07M |
| Total Liabilities | $433.92M |
| Total Equity Capital | $32.17M |
| Net Income | $-937,000 |
| Net Loans and Leases | $238.74M |
| Assets Per Employee ($Millions) | $7.17M |
| Bank Premises and Fixed Assets | $27.00k |
| Cash and Balances due from Depository Institutions | $84.36M |
| Deposits Held in Domestic Offices | $339.07M |
Key Performance Ratios
| Return on Assets (ROA) | -0.78% |
| Return on Equity (ROE) | -12.02% |
| Net Interest Margin | 1.46% |
| Efficiency Ratio | 126.01% |
| Tier 1 Risk-Based Capital Ratio | 17.935% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.902% |
| Earning Assets to total Assets | 97.9% |
Income and Expense
| Total Interest Income | $5.84M |
| Total Noninterest Income | $2.38M |
| Total Interest Expense | $4.11M |
| Total Noninterest Expense | $5.17M |
| Net Interest Income | $1.73M |
| Pre-tax Net Operating Income | $-952,000 |
| Provision for Credit Losses | $-115,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $94.00k |
| Other borrowed funds | $92.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.85M |
| Total Liabilities and Capital | $466.09M |
Securities
| Securities | $133.21M |
| Available-for-sale debt securities | $132.15M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Auto Club Trust, FSB?
$466.09M as of the latest filing.
How much are Auto Club Trust, FSB's total deposits?
$339.07M in total deposits.
Where is Auto Club Trust, FSB located?
Dearborn, MI.
What is the Net Interest Margin?
1.46%.
How many domestic offices does it operate?
1.
When was it established?
11/30/1999.
What is the Return on Assets (ROA)?
-0.78%.
How much are total loans and leases?
$238.74M (latest filing).
What is the total interest income (latest filing)?
$5.84M.