American State Bank (Sioux Center, IA)
BankRegReports is independent of American State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
American State Bank is an FDIC-insured commercial bank headquartered in Sioux Center, IA, established in 1913 (FDIC certificate 228), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.45B, down 2.7% from Q2 2025, the 20th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 11.78% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 228
- Headquarters
- Sioux Center, IA
- Established
- 1913
- Total assets, Q2 2026
- $1.45B
- Assets vs Q2 2025
- -2.7%
- CET1 ratio, Q2 2026
- 11.78%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 073917641
- Latest call report
- Q2 2026, FFIEC 051 · American State Bank call report
- Holding company
- AMBANK COMPANY, INC.
- Asset rank in state
- 20th of 225 in Iowa
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 0.65% and a Texas ratio of 4.98%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, American State Bank is the 20th largest of the 225 banks headquartered in Iowa. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.7% to $1.45B, loans fell 0.5% and deposits fell 2.1%. Its loan book on June 30, 2026 was led by agricultural production loans, at 25.0% of total loans, followed by farmland and other real estate loans at 18.0%. Its 11 offices in the FDIC Summary of Deposits are in 8 cities across 2 states; its Sioux Center 4 offices book 65% of its branch deposits. On its Q2 2026 call report, American State Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 11 FDIC institution directory, current count
- 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
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 $1.31B (Q3 2023) and a high of $1.51B (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.45B total assets against $1.49B; $1.29B total liabilities against $1.34B.
$1.34B net loans and leases against $1.35B; $1.22B total deposits against $1.24B.
$25.4M securities against $33.2M; $42.8M cash and balances due against $51.2M.
$21.4M total interest income against $20.5M; $8.5M total interest expense against $9.7M.
$12.9M net interest income against $10.8M.
$2.8M total noninterest income against $2.4M; $7.0M total noninterest expense against $6.3M.
$2.5M provision for credit losses against $2.1M.
$6.0M net income against $4.6M.
1.64% return on assets against 1.25%; 3.68% net interest margin against 3.03%.
11.78% CET1 capital ratio against 10.96%; 10.81% tier 1 leverage ratio against 10.08%.
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.
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
Its closest position to the top of a national ranking is 386 of 3,606, for efficiency ratio; its furthest is 1,786 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.90% (Q4 2024) to 1.64% (Q2 2026) and its net interest margin ran from 2.66% (Q3 2024) to 3.68% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.78% | 1.64% | 0.65% | 4.98% | 3.68% |
| Q1 2026 | 11.73% | 1.39% | 0.95% | 7.59% | 3.34% |
| Q4 2025 | 11.62% | 1.19% | 0.90% | 7.22% | 3.12% |
| Q3 2025 | 11.17% | 1.23% | 1.47% | 12.12% | 3.20% |
| Q2 2025 | 10.96% | 1.25% | 1.80% | 15.25% | 3.03% |
| Q1 2025 | 11.15% | 1.12% | 2.04% | 16.80% | 2.79% |
| Q4 2024 | 11.14% | 0.90% | 1.74% | 14.44% | 2.68% |
| Q3 2024 | 11.09% | 1.03% | 1.53% | 13.28% | 2.66% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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) | 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
Facts as filed or published, not a rating.
- 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows American State Bank’s latest filed figures and updates each quarter.
Similar banks
Compare American State Bank with peers
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.
Where is American State Bank headquartered?
It is headquartered in Sioux Center, IA, United States.
When was American State Bank founded?
It was established in 1913, per the FDIC institution directory.
Is American State Bank FDIC-insured?
Yes. It 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.
What is American State Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 4.98% 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.
Go deeper on American State Bank.
Get an email when American State Bank files its next call report, and benchmark it against any peer you choose.
Unlock American State Bank, freeFree account