AMERICAN TRUST & SAVINGS BANK

LOWDEN, IA | Micro | Est. Oct. 1, 1913, midnight | FDIC #10120 | RSSD #675341 | FDIC
Latest Report: 2025-12-31

AMERICAN TRUST & SAVINGS BANK is amn micro FDIC-insured commercial bank headquartered in LOWDEN, IA, established in Oct. 1, 1913, midnight. As of 2025-12-31, the bank reported total assets of $31M and total deposits of $26M. Profitability stands at -2.69% ROA and -21.96% ROE, with a net interest margin of 2.00%. The bank's CET1 capital ratio is 39.72%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 9.15% and a Texas Ratio of 13.93%. FDIC Certificate #10120.

Assets

$31M

Deposits

$26M

Loans

$6M

Equity

$4M

Profitability

Return on Assets (ROA) -2.69%
Return on Equity (ROE) -21.96%
Net Interest Margin (NIM) 2.00%
Yield on Assets 3.19%
Cost of Funds 1.57%

Asset Quality

NPL Ratio 9.15%
Net Charge-Off Ratio -1.32%
Texas Ratio 13.93%
NPA Ratio 1.85%
ACL / Loans 6.42%

Capital & Liquidity

CET1 Ratio 39.72%
Tier 1 Capital 39.72%
Total Capital Ratio 41.00%
Leverage Ratio 15.20%
Loan-to-Deposit 24.06%

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