American State Bank (Arp, TX)
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Data as of · sourced from FFIEC call reports. How we update
American State Bank is an FDIC-insured commercial bank headquartered in Arp, TX, established in 1911 (FDIC certificate 9967), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $637.8M, down 3.6% from Q2 2025, the 136th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 14.41% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 9967
- Headquarters
- Arp, TX
- Established
- 1911
- Total assets, Q2 2026
- $637.8M
- Assets vs Q2 2025
- -3.6%
- CET1 ratio, Q2 2026
- 14.41%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 111909210
- Latest call report
- Q2 2026, FFIEC 051 · American State Bank call report
- Holding company
- STEELE BANCSHARES, INC.
- Asset rank in state
- 136th of 346 in Texas
Problem loans are rising at American State Bank. The Arp, Texas bank had $638 million in assets at June 30, 2026, down 3.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.03% of loans from 1.29% a year earlier. It earns about $0.36 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 86 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
The balance sheet shrank over the year: over the year loans fell 7.6% and deposits fell 1.8%. Funding is the softer spot: it pays an average of 2.81% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
As of June 30, 2026, American State Bank reported a CET1 capital ratio of 14.41%, a return on assets of 0.36%, a nonperforming-loan ratio of 2.03% and a Texas ratio of 22.21%. The figures come from its call report filed with the FFIEC.
American State Bank ranks as the 136th largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.3% to $637.8M, loans rose 1.0% and deposits fell 2.9%. Non-owner-occupied commercial real estate loans made up 47.5% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 23.4%. Its 5 offices in the FDIC Summary of Deposits are in Arp, TX, Tyler, TX and Lindale, TX; its Arp office books 73% of its branch deposits. Judged on its Q2 2026 call report, American State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 102 W Front, Arp, TX 75750
- County
- Smith
- Metro Area
- Tyler, TX
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 1, 1911
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 67
- Domestic deposits
- $535.5M
- Allowance for credit losses
- $5.5M
- Net charge-offs (YTD)
- $2.1M
- Average total assets
- $644.8M
- Average total loans
- $451.6M
- Average interest-bearing deposits
- $467.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9967
- Fed RSSD
- 262358
- Website
- www.asb.com →
- Parent Holding Company
- STEELE BANCSHARES, INC. (RSSD 4136046)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
American State Bank's total assets moved between a low of $637.8M (Q2 2026) and a high of $974.0M (Q3 2023) from Q3 2023 to Q2 2026, and it earned a profit in 5 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$637.8M total assets against $661.7M; $560.9M total liabilities against $585.2M.
$452.0M net loans and leases against $488.9M; $535.5M total deposits against $545.2M.
$19.2M securities against $21.6M; $111.8M cash and balances due against $100.3M.
$8.4M total interest income against $9.1M; $3.9M total interest expense against $5.0M.
$4.5M net interest income against $4.2M.
$813K total noninterest income against $375K; $4.6M total noninterest expense against $4.2M.
$14K provision for credit losses against -$280K.
$585K net income against $540K.
0.36% return on assets against 0.32%; 3.06% net interest margin against 2.64%.
14.41% CET1 capital ratio against 13.82%; 10.91% tier 1 leverage ratio against 10.54%.
Inside the full American State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
American State Bank rankings
Its closest position to the top of a national ranking is 125 of 3,640, for Texas Ratio; its furthest is 3,396 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.58% (Q4 2024) to 0.36% (Q2 2026) and its net interest margin ran from 2.20% (Q3 2024) to 3.06% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.41% | 0.36% | 2.03% | 22.21% | 3.06% |
| Q1 2026 | 14.11% | -0.19% | 3.31% | 39.27% | 2.53% |
| Q4 2025 | 13.79% | 0.10% | 3.61% | 23.44% | 2.84% |
| Q3 2025 | 13.74% | -0.16% | 1.25% | 10.93% | 2.78% |
| Q2 2025 | 13.82% | 0.32% | 1.29% | 9.78% | 2.64% |
| Q1 2025 | 12.91% | -0.36% | 1.01% | 8.03% | 2.38% |
| Q4 2024 | 12.83% | -0.58% | 1.04% | 15.93% | 2.76% |
| Q3 2024 | 9.80% | -0.30% | 1.02% | 19.23% | 2.20% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| American State Bank (main office) | Arp , TX | 75750 | $389.4M |
| South Tyler Branch | Tyler , TX | 75703 | $74.3M |
| Chapel Hill Branch | Tyler , TX | 75707 | $42.2M |
| Troup Hwy Branch | Tyler , TX | 75701 | $21.7M |
| Lindale Branch | Lindale , TX | 75771 | $8.0M |
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 |
|---|---|---|---|
| November 16, 2024 | Structure Change | Sale of Assets | FFIEC NIC |
| February 2, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 2, 2019 | Structure Change | Acquired Texas State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, STEELE BANCSHARES, INC., not the bank itself
- March 29, 2024, Federal Reserve: Written Agreement: Steele Bancshares, Tyler, Texas and American State Bank, Arp, Texas
- Period: Most recent institution action March 29, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 179 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 117 applications, 93 loans originated, $54.1M originated, across 7 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $3.0M approved, $1.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 $637.8 million in its FFIEC call report.
Where is American State Bank headquartered?
It is headquartered in Arp, TX, United States.
When was American State Bank founded?
It was established in 1911, per the FDIC institution directory.
Is American State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9967). 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 Federal Reserve.
What is American State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.41% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does American State Bank operate?
It operates 5 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?
Its Texas Ratio is 22.21% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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