American Trust & Savings Bank: Financial Reports & UBPR Data
BankRegReports is independent of American Trust & Savings Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at American Trust & Savings Bank. Its balance sheet stood at $28 million at June 30, 2026, down 16.2% from a year earlier; it is based in Lowden, Iowa. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 30.07% of loans from 9.49% a year earlier. It loses about $1.07 a year on every $100 of assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median $1.06). It also spends about 173 cents to bring in each dollar of revenue, 2.5 times the median of 69 cents for banks its size.
It lost $81,000 in the quarter. Over the same year, loans shrank 4.4% and deposits shrank 18.9%. Its margin is thin by comparison: it keeps 1.44 cents of net interest income on every dollar of earning assets, about a third the median of 3.88 cents for banks its size.
As of June 30, 2026, American Trust & Savings Bank reported a CET1 capital ratio of 39.96%, a return on assets of -1.07%, a nonperforming-loan ratio of 30.07% and a Texas ratio of 43.73%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 309 Mckinley Ave, Lowden, IA 52255
- County
- Cedar
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 1, 1913
- Offices
- 1 domestic
- Employees (FTE)
- 4
- Domestic deposits
- $23.2M
- Allowance for credit losses
- $405K
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $30.3M
- Average total loans
- $5.8M
- Average interest-bearing deposits
- $20.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10120
- Fed RSSD
- 675341
- Website
- www.atsb-lowden.com →
- Parent Holding Company
- LOWDEN BANCSHARES, INC. (RSSD 1140846)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full American Trust & Savings Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock American Trust & Savings Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
American Trust & Savings Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 39.96% | -1.07% | 30.07% | 43.73% | 1.44% |
| Q1 2026 | 40.71% | -0.85% | 29.90% | 41.73% | 1.50% |
| Q4 2025 | 39.72% | -2.56% | 9.15% | 13.93% | 1.81% |
| Q3 2025 | 42.88% | 0.47% | 9.82% | 13.26% | 1.91% |
| Q2 2025 | 39.37% | -0.37% | 9.49% | 17.41% | 1.88% |
| Q1 2025 | 38.54% | 0.07% | 9.51% | 17.97% | 1.83% |
| Q4 2024 | 38.63% | -2.21% | 10.60% | 21.04% | 1.74% |
| Q3 2024 | 41.26% | -0.37% | 10.37% | 17.69% | 1.73% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| American Trust and Savings Bank | Lowden , IA | 52255 | $23.2M |
Regulatory record
What the public regulatory sources show for American Trust & Savings Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IA, rank 256 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $202K approved, $202K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows American Trust & Savings Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare American Trust & Savings Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about American Trust & Savings Bank
What are American Trust & Savings Bank's total assets?
As of the Q2 2026 filing, American Trust & Savings Bank reported total assets of $27.8 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is American Trust & Savings Bank headquartered?
American Trust & Savings Bank is headquartered in Lowden, IA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was American Trust & Savings Bank founded?
American Trust & Savings Bank was established in 1913, per the FDIC institution directory.
Is American Trust & Savings Bank FDIC-insured?
Yes. American Trust & Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #10120). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Trust & Savings Bank?
American Trust & Savings Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is American Trust & Savings Bank's CET1 capital ratio?
American Trust & Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 39.96% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does American Trust & Savings Bank operate?
American Trust & Savings Bank operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Trust & Savings Bank's Texas Ratio?
American Trust & Savings Bank's Texas Ratio is 43.73% in its Q2 2026 call report, between 25% and 50%, below the 50% level at which problem assets reach half of the capital cushion. The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on American Trust & Savings Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock American Trust & Savings Bank, freeFree account