American Trust & Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Trust & Savings Bank of Lowden, IA against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -1.07% | 3.14% | -4.21% | 8th bottom |
| ROAE | -9.19% | 10.43% | -19.62% | 6th bottom |
| Net Interest Margin | 1.44% | 3.93% | -2.49% | 1st bottom |
| Efficiency Ratio | 172.80% | 76.23% | +96.57% | 3rd bottom |
| PPNR / Avg Assets | -1.07% | 1.40% | -2.47% | 5th bottom |
| Yield on Earning Assets | 2.60% | 5.35% | -2.75% | 1st bottom |
| Cost of Funds | 1.41% | 1.70% | -0.29% | 57th above |
| Net Interest Spread | 0.94% | 3.31% | -2.37% | 3rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 30.07% | 1.32% | +28.75% | 1st bottom |
| NPA / Total Assets | 6.12% | 0.71% | +5.41% | 1st bottom |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 7.14% | 1.48% | +5.66% | 100th top |
| ACL / NPLs (Coverage) | 23.75% | 865.10% | -841.35% | 4th bottom |
| Texas Ratio | 43.73% | 8.22% | +35.51% | 3rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 39.96% | 61.90% | -21.94% | 73rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 39.96% | 61.90% | -21.94% | 73rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 41.23% | 62.87% | -21.64% | 74th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 15.65% | 17.61% | -1.96% | 68th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 12.55% | 16.43% | -3.88% | 50th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 12.55% | 16.18% | -3.63% | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 24.45% | 72.86% | -48.41% | 93rd top |
| Core Deposit Ratio | 82.51% | 88.22% | -5.71% | 17th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -16.23% | 4.32% | -20.55% | 2nd bottom |
| Loan Growth (Y/Y) | -4.40% | 6.73% | -11.13% | 22nd bottom |
| Deposit Growth (Y/Y) | -18.89% | 3.79% | -22.68% | 2nd bottom |
See American Trust & Savings Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Trust & Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full American Trust & Savings Bank profile, how to read a UBPR, or how this data updates.