One American Bank
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Data as of · sourced from FFIEC call reports. How we update
One American Bank is an FDIC-insured commercial bank headquartered in Centerville, SD, established in 1883 (FDIC certificate 6078), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $285.2M, down 26.0% from Q2 2025, the 29th largest of 56 banks headquartered in South Dakota. Its CET1 capital ratio was 19.42% 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
- 6078
- Headquarters
- Centerville, SD
- Established
- 1883
- Total assets, Q2 2026
- $285.2M
- Assets vs Q2 2025
- -26.0%
- CET1 ratio, Q2 2026
- 19.42%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 091401553
- Holding company
- ONE AMERICAN FINANCIAL CORPORATION
- Asset rank in state
- 29th of 56 in South Dakota
Problem loans are rising at One American Bank. Its balance sheet stood at $285 million at June 30, 2026, down 26.0% from a year earlier; it is based in Centerville, South Dakota. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.56% of loans from 0.46% a year earlier. It spends about 85 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also keeps 1.14 cents of net interest income on every dollar of earning assets, about a third the median of 3.95 cents for banks its size.
It lost $4.9 million in the quarter. Over the same year, loans shrank 22.0% and deposits shrank 10.8%. Funding is the softer spot: it pays an average of 3.62% on its deposits and borrowings, about double the median of 1.80% for banks its size.
As of June 30, 2026, One American Bank reported a CET1 capital ratio of 19.42%, a return on assets of -5.53%, a nonperforming-loan ratio of 1.56% and a Texas ratio of 10.56%. The figures come from its call report filed with the FFIEC.
One American Bank ranks as the 29th largest of the 56 banks based in South Dakota, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 20.9% to $285.2M, loans fell 16.0% and deposits fell 3.8%. 1-4 family residential loans made up 78.2% of its total loans on June 30, 2026, its largest category; next came other consumer loans at 7.4%. Its 3 offices in the FDIC Summary of Deposits are in Sioux Falls, SD and Centerville, SD; its Sioux Falls 2 offices book 85% of its branch deposits. On its Q2 2026 call report, One American Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 549 Broadway St, Centerville, SD 57014
- County
- Turner
- Metro Area
- Sioux Falls, SD-MN
- 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 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1883
- Former names
- First Midwest Bank (1988-2012)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 38
- Domestic deposits
- $231.5M
- Allowance for credit losses
- $5.0M
- Net charge-offs (YTD)
- $6.1M
- Average total assets
- $353.1M
- Average total loans
- $261.5M
- Average interest-bearing deposits
- $216.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6078
- Fed RSSD
- 95051
- Website
- www.oneamericanbank.com →
- Parent Holding Company
- ONE AMERICAN FINANCIAL CORPORATION (RSSD 5536791)
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
From Q3 2023 to Q2 2026, One American Bank's total assets ranged from $285.2M (Q2 2026) to $478.9M (Q3 2023), and it earned a profit in 1 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$285.2M total assets against $385.1M; $256.9M total liabilities against $354.4M.
$220.9M net loans and leases against $283.5M; $231.5M total deposits against $259.5M.
$20.1M securities against $22.0M; $33.7M cash and balances due against $58.3M.
$3.9M total interest income against $4.6M; $2.9M total interest expense against $3.4M.
$971K net interest income against $1.2M.
$2.4M total noninterest income against $225K; $2.8M total noninterest expense against $3.3M.
$5.4M provision for credit losses against $246K.
-$4.9M net income against -$2.1M.
-5.53% return on assets against -2.21%; 1.14% net interest margin against 1.27%.
19.42% CET1 capital ratio against 16.05%; 8.35% tier 1 leverage ratio against 8.22%.
Inside the full One American Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeOne American Bank rankings
Its closest position to the top of a national ranking is 588 of 3,640, for Texas Ratio; its furthest is 3,609 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -5.53% (Q2 2026) to 5.38% (Q4 2024) and its net interest margin ran from 0.90% (Q1 2026) to 1.69% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.42% | -5.53% | 1.56% | 10.56% | 1.14% |
| Q1 2026 | 15.25% | -1.92% | 0.79% | 6.72% | 0.90% |
| Q4 2025 | 15.58% | -1.86% | 0.58% | 4.74% | 1.07% |
| Q3 2025 | 16.10% | -0.74% | 0.51% | 4.05% | 1.69% |
| Q2 2025 | 16.05% | -2.21% | 0.46% | 3.61% | 1.27% |
| Q1 2025 | 15.80% | -1.12% | 0.52% | 4.04% | 1.19% |
| Q4 2024 | 15.71% | 5.38% | 0.72% | 5.56% | 1.21% |
| Q3 2024 | 12.76% | -1.21% | 0.71% | 6.46% | 1.05% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → 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 |
|---|---|---|---|
| Sioux Falls Branch | Sioux Falls , SD | 57104 | $158.5M |
| 49th St | Sioux Falls , SD | 57106 | $37.8M |
| One American Bank (main office) | Centerville , SD | 57014 | $35.3M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, ONE AMERICAN FINANCIAL CORPORATION, not the bank itself
- September 29, 2023, Federal Reserve: Written Agreement: One American Financial Corporation, Sioux Falls, South Dakota
- Period: Most recent institution action September 29, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in SD, rank 32 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $186K approved, $186K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 One American Bank
What are One American Bank's total assets?
As of the Q2 2026 filing, One American Bank reported total assets of $285.2 million in its FFIEC call report.
Where is One American Bank headquartered?
It is headquartered in Centerville, SD, United States.
When was One American Bank founded?
It was established in 1883, per the FDIC institution directory.
Is One American Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6078). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates One American Bank?
One American Bank's primary federal regulator is the FDIC.
What is One American Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.42% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does One American Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is One American Bank's Texas Ratio?
Its Texas Ratio is 10.56% 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.
What was One American Bank previously called?
The charter now named One American Bank has also operated as First Midwest Bank (1988-2012), per FDIC structure-change records.
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