Bank Safety Analysis
Is American Trust & Savings Bank Safe? Lowden, Iowa
Based on its Q2 2026 call report, American Trust & Savings Bank meets every capital ratio test for well capitalized, its Texas ratio is 43.73%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer
On its Q2 2026 call report, American Trust & Savings Bank's CET1 ratio is 39.96%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 39.96%
- Tier 1 leverage ratio (Q2 2026): 15.65%
- Texas ratio (Q2 2026): 43.73%
- Noncurrent loans ratio (Q2 2026): 30.07%
American Trust & Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #10120). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
American Trust & Savings Bank is outside the pass range on 2 of 5 safety dimensions: asset quality and operating efficiency. Capital and leverage are above their regulatory minimums. The failed bands are BankRegReports bands, not supervisory thresholds. 1 risk screen is flagged: non-performing loan ratio. Analysis based on the Q2 2026 call report.
Compared with Q1 2026, return on assets fell 0.22 percentage points in Q2 2026 to -1.07%, the biggest move on this page. As of Q2 2026, American Trust & Savings Bank ranks first in Iowa on CET1 ratio among 114 banks, at 39.96%. American Trust & Savings Bank's CET1 ratio of 39.96% is well above the 19.96% median for banks in the < $100M asset tier, a gap of 20.00 points (Q2 2026). From Q3 2023 to Q2 2026, American Trust & Savings Bank's CET1 ratio ranged between 38.54% (Q1 2025) and 42.88% (Q3 2025) and its Texas ratio ranged between 13.26% (Q3 2025) and 43.73% (Q2 2026). Between Q2 2025 and Q2 2026, American Trust & Savings Bank's CET1 ratio rose from 39.37% to 39.96%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 9.49% to 30.07%, Texas ratio rose from 17.41% to 43.73% and return on assets fell from -0.37% to -1.07%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: Under $100M (578 banks) · Industry averages as of Q2 2026.
CET1 of 39.96% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 15.65% is above the 5% well-capitalized threshold.
Nonperforming loans at 30.07% are at a stress-band level above 3%.
Texas Ratio of 43.7% is well below the 100% historical failure threshold.
Efficiency ratio of 172.8% suggests significant cost-to-revenue challenges.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 39.96% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 43.73% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 30.07% | Flags at 3% or above | Flagged |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 24.45% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 0.85% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 39.96% |
| Q1 2026 | 40.71% |
| Q4 2025 | 39.72% |
| Q3 2025 | 42.88% |
| Q2 2025 | 39.37% |
| Q1 2025 | 38.54% |
| Q4 2024 | 38.63% |
| Q3 2024 | 41.26% |
| Q2 2024 | 41.93% |
| Q1 2024 | 39.94% |
| Q4 2023 | 40.23% |
| Q3 2023 | 40.24% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 43.73% |
| Q1 2026 | 41.73% |
| Q4 2025 | 13.93% |
| Q3 2025 | 13.26% |
| Q2 2025 | 17.41% |
| Q1 2025 | 17.97% |
| Q4 2024 | 21.04% |
| Q3 2024 | 17.69% |
| Q2 2024 | 20.81% |
| Q1 2024 | 21.95% |
| Q4 2023 | 21.09% |
| Q3 2023 | 27.18% |
American Trust & Savings Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 39.96% | 30.07% | 43.73% | -1.07% |
| Mar 31, 2026 | 40.71% | 29.90% | 41.73% | -0.85% |
| Dec 31, 2025 | 39.72% | 9.15% | 13.93% | -2.56% |
| Sep 30, 2025 | 42.88% | 9.82% | 13.26% | 0.47% |
| Jun 30, 2025 | 39.37% | 9.49% | 17.41% | -0.37% |
| Mar 31, 2025 | 38.54% | 9.51% | 17.97% | 0.07% |
| Dec 31, 2024 | 38.63% | 10.60% | 21.04% | -2.21% |
| Sep 30, 2024 | 41.26% | 10.37% | 17.69% | -0.37% |
| Jun 30, 2024 | 41.93% | 10.32% | 20.81% | 0.05% |
| Mar 31, 2024 | 39.94% | 10.20% | 21.95% | -0.72% |
| Dec 31, 2023 | 40.23% | 9.83% | 21.09% | -2.13% |
| Sep 30, 2023 | 40.24% | 10.85% | 27.18% | -3.19% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is American Trust & Savings Bank FDIC insured?
Yes. American Trust & Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #10120). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is American Trust & Savings Bank well capitalized?
On its Q2 2026 call report, American Trust & Savings Bank's CET1 ratio is 39.96%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are American Trust & Savings Bank's key safety ratios?
For Q2 2026, American Trust & Savings Bank reports CET1 39.96%, leverage 15.65%, Texas ratio 43.73%, noncurrent loans 30.07%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if American Trust & Savings Bank fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 10120) · FFIEC NIC profile (RSSD 675341)
Explore: Full American Trust & Savings Bank profile · Other banks in IA · Metric glossary · How the call report works