BanksAMERICAN TRUST & SAVINGS BANK

AMERICAN TRUST & SAVINGS BANK

LOWDEN, IAMicroEst. Oct. 1, 1913, midnightFDIC #10120RSSD #675341FDIC
Latest · 2025-12-31

AMERICAN TRUST & SAVINGS BANK is an 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 1.82%. CET1 capital ratio: 39.72%, well above regulatory minimums. NPL ratio: 9.15% · Texas Ratio: 13.93%. Operates 1 domestic branch.

Assets
$31M
Deposits
$26M
Loans
$6M
Equity
$4M

Profitability

Return on Assets (ROA)-2.69%
Return on Equity (ROE)-21.96%
Net Interest Margin1.82%
Yield on Assets2.90%
Cost of Funds1.30%

Asset Quality

NPL Ratio9.15%
Net Charge-Off Ratio-2.63%
Texas Ratio13.93%
NPA Ratio1.85%
ACL / Loans6.42%

Capital & Liquidity

CET1 Ratio39.72%
Tier 1 Capital39.72%
Total Capital Ratio41.00%
Leverage Ratio15.20%
Loan-to-Deposit24.06%

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