AMERICAN STATE BANK

SIOUX CENTER, IA | Large | Est. Sept. 1, 1913, midnight | FDIC #228 | RSSD #735441 | FDIC
Latest Report: 2025-12-31

AMERICAN STATE BANK is aln large FDIC-insured commercial bank headquartered in SIOUX CENTER, IA, established in Sept. 1, 1913, midnight. As of 2025-12-31, the bank reported total assets of $1.5B and total deposits of $1.3B. Profitability stands at 1.21% ROA and 11.71% ROE, with a net interest margin of 3.30%. The bank's CET1 capital ratio is 11.62%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.89% and a Texas Ratio of 7.09%. FDIC Certificate #228.

Assets

$1.5B

Deposits

$1.3B

Loans

$1.4B

Equity

$158M

Profitability

Return on Assets (ROA) 1.21%
Return on Equity (ROE) 11.71%
Net Interest Margin (NIM) 3.30%
Yield on Assets 6.07%
Cost of Funds 3.24%

Asset Quality

NPL Ratio 0.89%
Net Charge-Off Ratio 0.64%
Texas Ratio 7.09%
NPA Ratio 0.80%
ACL / Loans 1.00%

Capital & Liquidity

CET1 Ratio 11.62%
Tier 1 Capital 11.62%
Total Capital Ratio 12.67%
Leverage Ratio 10.24%
Loan-to-Deposit 104.25%

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