AMERICAN STATE BANK

ARP, TX | Medium | Est. Aug. 1, 1911, midnight | FDIC #9967 | RSSD #262358 | FED
Latest Report: 2025-12-31

AMERICAN STATE BANK is amn medium FDIC-insured commercial bank headquartered in ARP, TX, established in Aug. 1, 1911, midnight. As of 2025-12-31, the bank reported total assets of $673M and total deposits of $556M. Profitability stands at 0.10% ROA and 0.85% ROE, with a net interest margin of 2.91%. The bank's CET1 capital ratio is 14.38%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.04% and a Texas Ratio of 7.16%. FDIC Certificate #9967.

Assets

$673M

Deposits

$556M

Loans

$485M

Equity

$77M

Profitability

Return on Assets (ROA) 0.10%
Return on Equity (ROE) 0.85%
Net Interest Margin (NIM) 2.91%
Yield on Assets 5.87%
Cost of Funds 3.11%

Asset Quality

NPL Ratio 1.04%
Net Charge-Off Ratio 0.20%
Texas Ratio 7.16%
NPA Ratio 0.89%
ACL / Loans 1.45%

Capital & Liquidity

CET1 Ratio 14.38%
Tier 1 Capital 14.38%
Total Capital Ratio 15.63%
Leverage Ratio 10.82%
Loan-to-Deposit 87.34%

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