FDIC Cert #26944 · Osceola, Iowa · Est. 1987

American State Bank - FDIC Bank Health Profile

A community-scale look at American State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$348M
Total assets
A
Health grade · Excellent
2.05%
Return on assets
11.2%
Tier 1 capital

Data updated July 2026

The verdict

American State Bank earns a PlainBankData health grade of A (85/100), with well-capitalized at 11.16% Tier 1, profitable at 2.05% ROA, efficient (51% cost ratio).

#2,290
largest of 4,313 FDIC banks by assets
47th
percentile by asset size, nationally
11.16%
Tier 1 ratio - above the 10% well-capitalized line
91st
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 26944 · IA A · 85/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (85/100)
  • MID-PACK #1364/4307
  • PHOTO-FINISH Security Bank of Sou… · MO
  • TIER1-WELL 11.2% Tier 1
  • TEXAS-CLEAN 1.2% Texas
  • ROA-STRONG 2.05% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Iowa: Security Bank of Southwest Missouri, MO (±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 Iowa, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American State Bank · IA · t…85/100Guardian Savings Bank · OH ·…85/100North Alabama Bank · AL · ne…85/100Security Bank of Sou… · MO ·…85/100The Haverford Trust… · PA · …85/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around American State Bank · July 2026

What American State Bank's Call Report plate shows

American State Bank (FDIC Cert #26944) carries a PlainBankData health grade of A at 85/100, 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 #1,364 of 4,307. Tier 1 capital prints at 11.16%, clearing the 10% well-capitalized line. The Texas Ratio is 1.19%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.05%. Balance-sheet scale is $348M, 2,290th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Security Bank of Southwest Missouri (MO), 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

4 FAILURE resolutions in Iowa since 2000 (3 since 2008)

American State Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; American State Bank remains an active FDIC-insured reporter.

  • CITIZENS BANK SAC CITY, IA 2023 → IOWA TRUST & SAVINGS BANK
  • POLK COUNTY BANK JOHNSTON, IA 2011 → GRINNELL STATE BANK
  • VANTUS BANK SIOUX CITY, IA 2009 → GREAT SOUTHERN BANK

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

How American State Bank's 85/100 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 avg77/10085/100
American State Bank's composite health score
Tier 1 Capital Ratio (11.16%) 28/40
Return on Assets (ROA) (2.05%) 25/25
Texas Ratio (1.19%) 20/20
Efficiency Ratio (51.47%) 12/15

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

Balance sheet at a glance

Total Assets

$348M

Total balance-sheet footings

Total Deposits

$272M

Customer-funded liabilities

Net Loans

$239M

Outstanding loan book

Net Income

$7M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.76% 11.16% 12.56%
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 85/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

85 Top 32% higher than 68% 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%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 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 $348M falls in the highlighted band.

Safety ratios for American State Bank

Tier 1 capital ratio
Well-capitalized 10%

11.16% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.16%
Texas Ratio
1.19%
Equity Capital
$35M

What these ratios mean →

Earnings posture at American State Bank

Return on Assets (ROA)
91st percentile nationally
2.05%
Return on Equity (ROE)
21.91%
Efficiency Ratio
51.47%

What these mean →

Income & expense at American State Bank

$19M
Interest Income
$2M
Non-Interest Income
$8M
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 1.19% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.19% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

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

Top banks in Iowa by total assets

Largest banks headquartered in Iowa
  1. 1
    Principal Bank $9.3B

    Des Moines, IA · Grade A

  2. 2
    Bankers Trust Company $7.5B

    Des Moines, IA · Grade A

  3. 3
    MidWestOne Bank $6.3B

    Iowa City, IA · Grade A

  4. 4
    Hills Bank and Trust Company $4.6B

    Hills, IA · Grade A

  5. 5
    West Bank $4.1B

    West Des Moines, IA · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($348M here), outside Iowa so the neighborhood is not state containment.

Citizens Deposit Bank of Arlington, I… $348M · KY Locality Bank $347M · FL Generations Bank $347M · NY The Pauls Valley National Bank $349M · OK

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) American State Bank (FDIC Cert #26944) - 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 · Iowa FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Iowa

All Iowa banks →
BankAssetsGradeROA
Principal BankDes Moines $9.3B A 1.24%
Bankers Trust CompanyDes Moines $7.5B A 1.10%
MidWestOne BankIowa City $6.3B A 1.12%
Hills Bank and Trust CompanyHills $4.6B A 1.33%
West BankWest Des Moines $4.1B A 0.94%
Northwest BankSpencer $3.0B B 1.03%
Cedar Rapids Bank and Trust CompanyCedar Rapids $2.9B A 2.83%
Quad City Bank and Trust CompanyBettendorf $2.7B A 1.30%