FDIC Cert #9967 · Arp, Texas · Est. 1911

American State Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$673M
Total assets
D
Health grade · Weak
-0.03%
Return on assets
13.8%
Tier 1 capital

Data updated July 2026

The verdict

American State Bank earns a PlainBankData health grade of D (45/100), with well-capitalized at 13.79% Tier 1, -0.03% ROA, 97% efficiency ratio.

#1,422
largest of 4,313 FDIC banks by assets
67th
percentile by asset size, nationally
13.79%
Tier 1 ratio - above the 10% well-capitalized line
5th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 9967 · TX D · 45/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-D D (45/100)
  • BOTTOM-DECILE #4185/4307
  • PHOTO-FINISH Apex Banking Company… · GA
  • TIER1-WELL 13.8% Tier 1
  • TEXAS-HEALTHY 20.9% Texas
  • ROA-LOSS -0.03% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: Apex Banking Company of Georgia, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around American State Bank

Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American State Bank · TX · t…45/100Apex Banking Company… · GA ·…45/100Banner Banks · WI · near45/100Camp Grove State Bank · IL ·…45/100Citizens Progressive… · LA ·…45/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around American State Bank · July 2026

Call Report read for American State Bank in a high-failure state

American State Bank (FDIC Cert #9967) carries a PlainBankData health grade of D at 45/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,185 of 4,307. Tier 1 capital prints at 13.79%, clearing the 10% well-capitalized line. The Texas Ratio is 20.95%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.03%. Balance-sheet scale is $673M, 1,422nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Apex Banking Company of Georgia (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around American State Bank

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

American State Bank sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about American State Bank's current Call Report.

  • SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
  • ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
  • FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.

How American State Bank's 45/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10045/100
American State Bank's composite health score
Tier 1 Capital Ratio (13.79%) 35/40
Return on Assets (ROA) (-0.03%) 0/25
Texas Ratio (20.95%) 10/20
Efficiency Ratio (97.25%) 0/15

45 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$673M

Total balance-sheet footings

Total Deposits

$556M

Customer-funded liabilities

Net Loans

$478M

Outstanding loan book

Net Income

$-184K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.39% 13.79% 15.19%
Basel III capital ratios - American State Bank

Where American State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. American State Bank's score of 45/100 falls in the highlighted band.

American State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

45 3rd percentile higher than 3% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. American State Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

American State Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). American State Bank's $673M falls in the highlighted band.

Capital & credit buffers at American State Bank

Tier 1 capital ratio
Well-capitalized 10%

13.79% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.79%
Texas Ratio
20.95%
Equity Capital
$77M

What these ratios mean →

Profitability metrics: American State Bank

Return on Assets (ROA)
5th percentile nationally
-0.03%
Return on Equity (ROE)
-0.24%
Efficiency Ratio
97.25%

What these mean →

Income & expense: loss period at American State Bank

$36M
Interest Income
$1M
Non-Interest Income
$18M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. American State Bank reports a Texas Ratio of 20.95% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

20.95% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at American State Bank

American State Bank's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-184K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at American State Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View American State Bank on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

Top 5 banks in Texas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($673M here), outside Texas so the neighborhood is not state containment.

First National Bank and Trust Company… $672M · OK First Federal Savings Bank $673M · IN Longview Bank $672M · IL Reliance Savings Bank $674M · PA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) American State Bank (FDIC Cert #9967) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

American State Bank Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Texas

All Texas banks →
BankAssetsGradeROA
Charles Schwab Bank, SSBWestlake $253.8B A 0.94%
Frost BankSan Antonio $53.1B A 1.26%
Prosperity BankEl Campo $38.5B A 1.44%
Texas Capital BankDallas $31.3B A 1.10%
Charles Schwab Premier Bank, SSBWestlake $27.0B A 1.47%
First Financial BankAbilene $15.4B A 1.64%
NexBankDallas $13.9B A 1.17%
PlainsCapital BankUniversity Park $12.7B B 1.05%