AMERICAN STATE BANK

OSCEOLA, IA | Small | Est. April 23, 1987, midnight | FDIC #26944 | RSSD #276645 | FED
Latest Report: 2025-12-31

AMERICAN STATE BANK is asn small FDIC-insured commercial bank headquartered in OSCEOLA, IA, established in April 23, 1987, midnight. As of 2025-12-31, the bank reported total assets of $348M and total deposits of $272M. Profitability stands at 2.12% ROA and 21.45% ROE, with a net interest margin of 4.20%. The bank's CET1 capital ratio is 9.83%. Asset quality metrics show a non-performing loan ratio of 0.04% and a Texas Ratio of 0.48%. FDIC Certificate #26944.

Assets

$348M

Deposits

$272M

Loans

$242M

Equity

$35M

Profitability

Return on Assets (ROA) 2.12%
Return on Equity (ROE) 21.45%
Net Interest Margin (NIM) 4.20%
Yield on Assets 6.24%
Cost of Funds 2.13%

Asset Quality

NPL Ratio 0.04%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.48%
NPA Ratio 0.05%
ACL / Loans 1.17%

Capital & Liquidity

CET1 Ratio 9.83%
Tier 1 Capital 9.83%
Total Capital Ratio 10.32%
Leverage Ratio 11.16%
Loan-to-Deposit 88.85%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required