American Trust & Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
American Trust & Savings Bank is an FDIC-insured commercial bank headquartered in Lowden, IA, established in 1913 (FDIC certificate 10120), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $27.8M, down 16.2% from Q2 2025, the 224th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 39.96% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10120
- Headquarters
- Lowden, IA
- Established
- 1913
- Total assets, Q2 2026
- $27.8M
- Assets vs Q2 2025
- -16.2%
- CET1 ratio, Q2 2026
- 39.96%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 073917748
- Latest call report
- Q2 2026, FFIEC 051 · American Trust & Savings Bank call report
- Holding company
- LOWDEN BANCSHARES, INC.
- Asset rank in state
- 224th of 225 in Iowa
Problem loans are rising at American Trust & Savings Bank. Its balance sheet stood at $28 million at June 30, 2026, down 16.2% from a year earlier; it is based in Lowden, Iowa. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 30.07% of loans from 9.49% a year earlier. It loses about $1.07 a year on every $100 of assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median $1.06). It also spends about 173 cents to bring in each dollar of revenue, 2.5 times the median of 69 cents for banks its size.
It lost $81,000 in the quarter. Over the same year, loans shrank 4.4% and deposits shrank 18.9%. Its margin is thin by comparison: it keeps 1.44 cents of net interest income on every dollar of earning assets, about a third the median of 3.87 cents for banks its size.
As of June 30, 2026, American Trust & Savings Bank reported a CET1 capital ratio of 39.96%, a return on assets of -1.07%, a nonperforming-loan ratio of 30.07% and a Texas ratio of 43.73%. The figures come from its call report filed with the FFIEC.
American Trust & Savings Bank ranks as the 224th largest of the 225 banks based in Iowa, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.9% to $27.8M, loans rose 2.5% and deposits fell 1.9%. Agricultural production loans made up 48.3% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 25.2%. Its one office in the FDIC Summary of Deposits is in Lowden, IA. On its Q2 2026 call report, American Trust & Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 309 Mckinley Ave, Lowden, IA 52255
- County
- Cedar
- 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
- October 1, 1913
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 4
- Domestic deposits
- $23.2M
- Allowance for credit losses
- $405K
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $30.3M
- Average total loans
- $5.8M
- Average interest-bearing deposits
- $20.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10120
- Fed RSSD
- 675341
- Website
- www.atsb-lowden.com →
- Parent Holding Company
- LOWDEN BANCSHARES, INC. (RSSD 1140846)
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
Over the 12 quarters to Q2 2026, American Trust & Savings Bank's total assets ran between $27.8M (Q2 2026) and $33.6M (Q1 2025), and it earned a profit in 3 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$27.8M total assets against $33.2M; $24.4M total liabilities against $29.7M.
$5.3M net loans and leases against $5.6M; $23.2M total deposits against $28.6M.
$18.8M securities against $18.8M; $2.8M cash and balances due against $7.7M.
$188K total interest income against $260K; $84K total interest expense against $100K.
$104K net interest income against $160K.
$6K total noninterest income against $10K; $191K total noninterest expense against $203K.
$0 provision for credit losses against $0.
-$81K net income against -$33K.
-1.07% return on assets against -0.37%; 1.44% net interest margin against 1.88%.
39.96% CET1 capital ratio against 39.37%; 15.65% tier 1 leverage ratio against 14.23%.
Inside the full American Trust & Savings 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
American Trust & Savings Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -2.56% (Q4 2025) to 0.47% (Q3 2025) and its net interest margin ran from 1.44% (Q2 2026) to 1.91% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 39.96% | -1.07% | 30.07% | 43.73% | 1.44% |
| Q1 2026 | 40.71% | -0.85% | 29.90% | 41.73% | 1.50% |
| Q4 2025 | 39.72% | -2.56% | 9.15% | 13.93% | 1.81% |
| Q3 2025 | 42.88% | 0.47% | 9.82% | 13.26% | 1.91% |
| Q2 2025 | 39.37% | -0.37% | 9.49% | 17.41% | 1.88% |
| Q1 2025 | 38.54% | 0.07% | 9.51% | 17.97% | 1.83% |
| Q4 2024 | 38.63% | -2.21% | 10.60% | 21.04% | 1.74% |
| Q3 2024 | 41.26% | -0.37% | 10.37% | 17.69% | 1.73% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 Trust and Savings Bank | Lowden , IA | 52255 | $23.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IA, rank 256 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $202K approved, $202K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Trust & Savings Bank
What are American Trust & Savings Bank's total assets?
As of the Q2 2026 filing, American Trust & Savings Bank reported total assets of $27.8 million in its FFIEC call report.
Where is American Trust & Savings Bank headquartered?
It is headquartered in Lowden, IA, United States.
When was American Trust & Savings Bank founded?
It was established in 1913, per the FDIC institution directory.
Is American Trust & Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10120). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Trust & Savings Bank?
American Trust & Savings Bank's primary federal regulator is the FDIC.
What is American Trust & Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 39.96% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does American Trust & Savings Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Trust & Savings Bank's Texas Ratio?
Its Texas Ratio is 43.73% 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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