One American 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 136.23 percentage points higher than in Q1 2026, at 2783.71%. One American Bank has the 1st lowest return on assets of the 56 banks headquartered in South Dakota, at -5.53% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, One American Bank reported -5.53% on return on assets in Q2 2026, 6.78 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.42% |
| Tier 1 risk-based capital ratio | 19.42% |
| Total risk-based capital ratio | 20.69% |
| Tier 1 leverage ratio | 8.35% |
| Equity capital to assets | 9.93% |
| Tangible equity to tangible assets | 9.93% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.08% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | 8.67% |
| Texas ratio | 10.56% |
| Allowance for credit losses to loans | 2.19% |
| Reserve coverage of non-performing loans | 2783.71% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -5.53% |
| Return on equity | -71.44% |
| Net interest margin | 1.14% |
| Efficiency ratio | 84.81% |
| Yield on earning assets | 4.50% |
| Cost of funds | 3.62% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.54% |
| Core deposits to total deposits | 86.99% |
| Brokered deposits to total deposits | 0.35% |
| Deposits to assets | 81.18% |
| Securities to assets | 7.06% |
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 | 11.45% | 11.45% | 12.71% | 6.59% | -1.91% |
| Q4 2023 | 13.45% | 13.45% | 14.72% | 7.57% | -12.89% |
| Q1 2024 | 13.57% | 13.57% | 14.84% | 7.01% | -1.27% |
| Q2 2024 | 12.88% | 12.88% | 14.15% | 6.83% | -2.60% |
| Q3 2024 | 12.76% | 12.76% | 14.03% | 6.71% | -1.21% |
| Q4 2024 | 15.71% | 15.71% | 16.99% | 8.29% | 5.38% |
| Q1 2025 | 15.80% | 15.80% | 17.07% | 8.21% | -1.12% |
| Q2 2025 | 16.05% | 16.05% | 17.32% | 8.22% | -2.21% |
| Q3 2025 | 16.10% | 16.10% | 17.37% | 8.24% | -0.74% |
| Q4 2025 | 15.58% | 15.58% | 16.85% | 8.08% | -1.86% |
| Q1 2026 | 15.25% | 15.25% | 16.52% | 7.62% | -1.92% |
| Q2 2026 | 19.42% | 19.42% | 20.69% | 8.35% | -5.53% |
One American Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock One American 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 One American Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6078) · FFIEC NIC profile (RSSD 95051)