American State Bank (Sioux Center, IA): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
American State Bank, based in Sioux Center, Iowa, reported $1.4 billion in assets at June 30, 2026, down 2.7% from a year earlier. It lost 1.8% of its deposits over the year, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 5.1%). It also holds commercial real estate loans worth 1.1 times its capital, about half the median of 2.2 times for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.65% of loans from 1.80%. Its $241 million commercial and industrial book is improving, with 1.41% past due or on nonaccrual, down from 3.49% a year earlier. Funding is the softer spot: it pays an average of 2.60% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, American State Bank reported a CET1 capital ratio of 11.78%, a return on assets of 1.64%, a nonperforming-loan ratio of 0.63% and a Texas ratio of 4.98%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 525 N Main Ave, Sioux Center, IA 51250
- County
- Sioux
- 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
- September 1, 1913
- Offices
- 11 domestic
- Employees (FTE)
- 130
- Domestic deposits
- $1.22B
- Allowance for credit losses
- $18.4M
- Net charge-offs (YTD)
- $408K
- Average total assets
- $1.46B
- Average total loans
- $1.34B
- Average interest-bearing deposits
- $1.12B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 228
- Fed RSSD
- 735441
- Website
- www.ambankiowa.com →
- Parent Holding Company
- AMBANK COMPANY, INC. (RSSD 1201457)
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 State Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock American State 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
American State 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 | 11.78% | 1.64% | 0.63% | 4.98% | 3.68% |
| Q1 2026 | 11.73% | 1.39% | 0.85% | 7.59% | 3.34% |
| Q4 2025 | 11.62% | 1.19% | 0.89% | 7.22% | 3.12% |
| Q3 2025 | 11.17% | 1.23% | 1.43% | 12.12% | 3.20% |
| Q2 2025 | 10.96% | 1.25% | 1.61% | 15.25% | 3.03% |
| Q1 2025 | 11.15% | 1.12% | 1.64% | 16.80% | 2.79% |
| Q4 2024 | 11.14% | 0.90% | 1.60% | 14.44% | 2.68% |
| Q3 2024 | 11.09% | 1.03% | 1.48% | 13.28% | 2.66% |
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 all 11 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| American State Bank (main office) | Sioux Center , IA | 51250 | $786.2M |
| Hull Branch | Hull , IA | 51239 | $74.2M |
| Orange City Branch | Orange City , IA | 51041 | $67.2M |
| Hospers Branch | Hospers , IA | 51238 | $61.7M |
| Alton Branch | Alton , IA | 51003 | $60.1M |
| Cliff Ave Branch | Sioux Falls , SD | 57108 | $55.3M |
| Alvord Branch | Alvord , IA | 51230 | $52.7M |
| Granville Branch | Granville , IA | 51022 | $51.7M |
| Sioux Center South Branch | Sioux Center , IA | 51250 | $9.1M |
| Sioux Center Branch | Sioux Center , IA | 51250 | $0 |
| Sioux Center Trust Department Building Branch | Sioux Center , IA | 51250 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 18, 2015 | M&A | Acquired Community Bank merger for the acquired bank | SEC |
| July 18, 2015 | Structure Change | Acquired Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 17, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
What the public regulatory sources show for American State 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
- 0.9% of deposits in IA, rank 24 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 347 applications, 282 loans originated, $84.8M originated, across 12 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $140K approved, $140K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (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.
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Frequently asked about American State Bank
What are American State Bank's total assets?
As of the Q2 2026 filing, American State Bank reported total assets of $1.45 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is American State Bank headquartered?
American State Bank is headquartered in Sioux Center, IA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was American State Bank founded?
American State Bank was established in 1913, per the FDIC institution directory.
Is American State Bank FDIC-insured?
Yes. American State Bank is an FDIC-insured commercial bank (FDIC Certificate #228). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American State Bank?
American State 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 State Bank's CET1 capital ratio?
American State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.78% in its Q2 2026 call report, above regulatory requirements.
How many branches does American State Bank operate?
American State Bank operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American State Bank's Texas Ratio?
American State Bank's Texas Ratio is 4.98% in its Q2 2026 call report, within the healthy range (under 25%). 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.
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