American State Bank of Grygla: 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 Return on equity: 7.62 percentage points higher than in Q1 2026, at 20.36%. Within Minnesota, American State Bank of Grygla is 57th of 221 on return on assets, 1.79% as of Q2 2026, above the middle of the field. American State Bank of Grygla's return on assets of 1.79% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 0.81 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 | 10.83% |
| Equity capital to assets | 9.11% |
| Tangible equity to tangible assets | 9.11% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.23% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.79% |
| Return on equity | 20.36% |
| Net interest margin | 3.78% |
| Efficiency ratio | 56.14% |
| Yield on earning assets | 5.23% |
| Cost of funds | 1.55% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 57.16% |
| Core deposits to total deposits | 94.56% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.42% |
| Securities to assets | 24.73% |
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 | 10.50% | 1.08% | 3.21% | 1.01% | 0.09% |
| Q4 2023 | 10.63% | 1.30% | 3.34% | 0.15% | 0.00% |
| Q1 2024 | 10.23% | 1.04% | 3.29% | 0.15% | 0.00% |
| Q2 2024 | 10.70% | 0.93% | 3.40% | 0.00% | 0.00% |
| Q3 2024 | 10.78% | 1.73% | 3.72% | 0.00% | 0.00% |
| Q4 2024 | 10.14% | 1.04% | 3.39% | 0.00% | 0.00% |
| Q1 2025 | 9.88% | 1.13% | 3.25% | 0.00% | 0.00% |
| Q2 2025 | 9.88% | 1.59% | 3.68% | 0.00% | 0.00% |
| Q3 2025 | 10.33% | 1.62% | 3.80% | 0.00% | 0.00% |
| Q4 2025 | 10.74% | 1.45% | 3.93% | 0.00% | 0.00% |
| Q1 2026 | 10.69% | 1.14% | 3.66% | 0.00% | 0.00% |
| Q2 2026 | 10.83% | 1.79% | 3.78% | 0.00% | 0.00% |
American State Bank of Grygla vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American State Bank of Grygla, 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 of Grygla profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22263) · FFIEC NIC profile (RSSD 21359)