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.
Reserve coverage of non-performing loans climbed 75.92 percentage points in Q2 2026, from 137.93% to 213.84%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, American State Bank is 71st of 225 on return on assets, 1.64% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. American State Bank sits 0.37 points higher, at 1.64% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.78% |
| Tier 1 risk-based capital ratio | 11.78% |
| Total risk-based capital ratio | 13.03% |
| Tier 1 leverage ratio | 10.81% |
| Equity capital to assets | 11.00% |
| Tangible equity to tangible assets | 10.88% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.63% |
| Non-performing assets ratio | 0.59% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 5.13% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | 213.84% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.64% |
| Return on equity | 15.18% |
| Net interest margin | 3.68% |
| Efficiency ratio | 44.23% |
| Yield on earning assets | 6.10% |
| Cost of funds | 2.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 111.20% |
| Core deposits to total deposits | 84.92% |
| Brokered deposits to total deposits | 6.37% |
| Deposits to assets | 84.14% |
| Securities to assets | 1.76% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.71% | 11.71% | 12.86% | 10.17% | 1.28% |
| Q4 2023 | 11.43% | 11.43% | 12.55% | 10.36% | 1.14% |
| Q1 2024 | 11.26% | 11.26% | 12.39% | 10.23% | 1.14% |
| Q2 2024 | 10.75% | 10.75% | 11.83% | 9.95% | 1.30% |
| Q3 2024 | 11.09% | 11.09% | 12.17% | 10.05% | 1.03% |
| Q4 2024 | 11.14% | 11.14% | 12.19% | 9.94% | 0.90% |
| Q1 2025 | 11.15% | 11.15% | 12.28% | 10.08% | 1.12% |
| Q2 2025 | 10.96% | 10.96% | 12.21% | 10.08% | 1.25% |
| Q3 2025 | 11.17% | 11.17% | 12.29% | 10.13% | 1.23% |
| Q4 2025 | 11.62% | 11.62% | 12.67% | 10.24% | 1.19% |
| Q1 2026 | 11.73% | 11.73% | 12.96% | 10.63% | 1.39% |
| Q2 2026 | 11.78% | 11.78% | 13.03% | 10.81% | 1.64% |
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 228) · FFIEC NIC profile (RSSD 735441)