American Trust & Savings 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.
Core deposits to total deposits dropped 2.68 percentage points in Q2 2026, from 85.19% to 82.51%. It was the largest change from Q1 2026 among the key lines here. American Trust & Savings Bank has the 5th lowest return on assets of the 225 banks headquartered in Iowa, at -1.07% as of Q2 2026. Against a median of 0.98% for banks in the < $100M asset tier, American Trust & Savings Bank reported -1.07% on return on assets in Q2 2026, 2.05 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 39.96% |
| Tier 1 risk-based capital ratio | 39.96% |
| Total risk-based capital ratio | 41.23% |
| Tier 1 leverage ratio | 15.65% |
| Equity capital to assets | 12.55% |
| Tangible equity to tangible assets | 12.55% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 30.07% |
| Non-performing assets ratio | 6.12% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 43.73% |
| Allowance for credit losses to loans | 7.14% |
| Reserve coverage of non-performing loans | 23.75% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -1.07% |
| Return on equity | -9.19% |
| Net interest margin | 1.44% |
| Efficiency ratio | 172.80% |
| Yield on earning assets | 2.60% |
| Cost of funds | 1.41% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 24.45% |
| Core deposits to total deposits | 82.51% |
| Brokered deposits to total deposits | 4.31% |
| Deposits to assets | 83.28% |
| Securities to assets | 67.63% |
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 | 40.24% | 40.24% | 41.50% | 16.71% | -3.19% |
| Q4 2023 | 40.23% | 40.23% | 41.49% | 16.91% | -2.13% |
| Q1 2024 | 39.94% | 39.94% | 41.19% | 14.89% | -0.72% |
| Q2 2024 | 41.93% | 41.93% | 43.20% | 15.34% | 0.05% |
| Q3 2024 | 41.26% | 41.26% | 42.52% | 15.45% | -0.37% |
| Q4 2024 | 38.63% | 38.63% | 39.90% | 14.50% | -2.21% |
| Q1 2025 | 38.54% | 38.54% | 39.81% | 14.34% | 0.07% |
| Q2 2025 | 39.37% | 39.37% | 40.64% | 14.23% | -0.37% |
| Q3 2025 | 42.88% | 42.88% | 44.15% | 15.49% | 0.47% |
| Q4 2025 | 39.72% | 39.72% | 41.00% | 15.20% | -2.56% |
| Q1 2026 | 40.71% | 40.71% | 41.98% | 15.23% | -0.85% |
| Q2 2026 | 39.96% | 39.96% | 41.23% | 15.65% | -1.07% |
American Trust & Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American Trust & Savings 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 Trust & Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10120) · FFIEC NIC profile (RSSD 675341)