ONE AMERICAN BANK

CENTERVILLE, SD | Small | Est. Jan. 1, 1883, midnight | FDIC #6078 | RSSD #95051 | FDIC
Latest Report: 2025-12-31

ONE AMERICAN BANK is asn small FDIC-insured commercial bank headquartered in CENTERVILLE, SD, established in Jan. 1, 1883, midnight. As of 2025-12-31, the bank reported total assets of $357M and total deposits of $234M. Profitability stands at -1.87% ROA and -23.31% ROE, with a net interest margin of 1.12%. The bank's CET1 capital ratio is 15.58%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.08% and a Texas Ratio of 0.64%. FDIC Certificate #6078.

Assets

$357M

Deposits

$234M

Loans

$278M

Equity

$28M

Profitability

Return on Assets (ROA) -1.87%
Return on Equity (ROE) -23.31%
Net Interest Margin (NIM) 1.12%
Yield on Assets 4.90%
Cost of Funds 3.82%

Asset Quality

NPL Ratio 0.08%
Net Charge-Off Ratio 0.86%
Texas Ratio 0.64%
NPA Ratio 0.06%
ACL / Loans 1.97%

Capital & Liquidity

CET1 Ratio 15.58%
Tier 1 Capital 15.58%
Total Capital Ratio 16.85%
Leverage Ratio 8.08%
Loan-to-Deposit 118.50%

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