American State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 3389.92 percentage points lower than in Q1 2026, at 3178.26%. Among 225 Iowa banks, American State Bank sits 19th from the top on return on assets, 2.22% as of Q2 2026. American State Bank's return on assets of 2.22% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.97 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.11% |
| Equity capital to assets | 9.95% |
| Tangible equity to tangible assets | 9.90% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 0.24% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 3178.26% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.22% |
| Return on equity | 22.74% |
| Net interest margin | 4.27% |
| Efficiency ratio | 47.54% |
| Yield on earning assets | 6.17% |
| Cost of funds | 2.04% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.09% |
| Core deposits to total deposits | 87.45% |
| Brokered deposits to total deposits | 1.31% |
| Deposits to assets | 78.39% |
| Securities to assets | 22.52% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.21% | 1.86% | 3.81% | 0.07% | 0.03% |
| Q4 2023 | 10.58% | 2.54% | 3.87% | 0.06% | 0.02% |
| Q1 2024 | 10.66% | 1.57% | 3.73% | 0.06% | -0.00% |
| Q2 2024 | 10.68% | 1.93% | 3.98% | 0.04% | -0.01% |
| Q3 2024 | 10.77% | 2.02% | 3.99% | 0.11% | 0.03% |
| Q4 2024 | 10.75% | 1.73% | 3.85% | 0.10% | 0.01% |
| Q1 2025 | 11.08% | 1.83% | 3.93% | 0.12% | -0.00% |
| Q2 2025 | 11.03% | 2.23% | 4.21% | 0.10% | 0.00% |
| Q3 2025 | 11.22% | 2.02% | 4.17% | 0.04% | 0.00% |
| Q4 2025 | 11.16% | 2.10% | 4.14% | 0.04% | 0.08% |
| Q1 2026 | 11.29% | 2.12% | 4.14% | 0.02% | 0.01% |
| Q2 2026 | 11.11% | 2.22% | 4.27% | 0.04% | 0.04% |
American State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full American State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26944) · FFIEC NIC profile (RSSD 276645)