Total Assets
$31M
Total balance-sheet footings
FDIC Cert #10120 · Lowden, Iowa · Est. 1913
American Trust and Savings Bank - FDIC Bank Health Profile
Free, sourced directly from the FDIC BankFind Suite and quarterly Call Report, capital, profitability, and safety metrics, refreshed each quarter.
- $31M
- Total assets
- C
- Health grade · Fair
- -0.60%
- Return on assets
- 39.7%
- Tier 1 capital
The verdict
American Trust and Savings Bank earns a PlainBankData health grade of C (56/100), with well-capitalized at 39.72% Tier 1, -0.60% ROA, 126% efficiency ratio.
- #4,233
- largest of 4,313 FDIC banks by assets
- 2nd
- percentile by asset size, nationally
- 39.72%
- Tier 1 ratio - above the 10% well-capitalized line
- 3rd
- percentile for profitability (ROA), nationally
Health grades are PlainBankData's interpretation of FDIC Call Report data — not official FDIC ratings. Every dollar on deposit remains FDIC-insured to $250,000 per depositor, per category, regardless of grade.
Balance sheet at a glance
Total Deposits
$26M
Customer-funded liabilities
Net Loans
$6M
Outstanding loan book
Net Income
$-194K
Bottom-line earnings
Capital adequacy vs federal thresholds
Basel III capital ratios - American Trust and Savings Bank
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
39.72% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
39.72%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
13.93%
Equity Capital
Tangible book value as a capital buffer
$4M
Profitability metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1% · 2.6th pct nationally
-0.60%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
-5.52%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
126.34%
What the numbers say about American Trust and Savings Bank
American Trust and Savings Bank is an FDIC-insured institution (Certificate #10120) headquartered in Lowden, Iowa, established in 1913. It holds $31M in total assets — 4,233rd of 4,313 FDIC-insured banks, $26M in customer deposits, and $6M in net loans. On safety, its Tier 1 capital ratio of 39.72% is above the 10% well-capitalized threshold, and its Texas Ratio of 13.93% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (56/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Not financial advice. Health grades are PlainBankData's interpretation of regulatory filings, not official FDIC ratings or predictions. Every dollar on deposit is FDIC-insured to $250,000 per depositor, per ownership category — regardless of grade.
Income & expense breakdown
$977K
Interest Income
$183K
Non-Interest Income
$993K
Non-Interest Expense
Asset quality — Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. American Trust and Savings Bank reports a Texas Ratio of 13.93% — comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
13.93% — lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at American Trust and Savings Bank
American Trust and Savings Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-194K 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 Trust and Savings 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 deposit insurance
American Trust and Savings Bank is FDIC-insured (Certificate #10120). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
Top banks in Iowa by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) American Trust and Savings Bank (FDIC Cert #10120) — 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.
Other banks in Iowa
All Iowa banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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 | C | 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% |
Frequently asked questions
What is American Trust and Savings Bank's health grade?▼
American Trust and Savings Bank receives a health grade of C (56/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is American Trust and Savings Bank?▼
American Trust and Savings Bank holds $31M in total assets and $26M in deposits, ranking 4,233rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Lowden, Iowa.
Is my money safe at American Trust and Savings Bank?▼
Yes. American Trust and Savings Bank is FDIC-insured (Certificate #10120). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is American Trust and Savings Bank's Tier 1 Capital Ratio?▼
American Trust and Savings Bank has a Tier 1 Capital Ratio of 39.72%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for American Trust and Savings Bank?▼
American Trust and Savings Bank has a Texas Ratio of 13.93%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is American Trust and Savings Bank?▼
American Trust and Savings Bank has an Efficiency Ratio of 126.34%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read American Trust and Savings Bank's profile as a depositor or analyst.
- American Trust and Savings Bank's grade reflects capital, profitability, and asset quality — read the four pillars before drawing conclusions. How grades work
- Deposits are FDIC-insured to $250,000 per depositor, per category — confirm your coverage if balances are large. FDIC insurance explained
- Compare American Trust and Savings Bank against other Iowa banks before moving funds. Iowa banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC BankFind Suite, Call Report FFIEC 031/041). See our methodology for the full ETL pipeline, source vintage, and column lineage.
Disclaimer: Provided for informational purposes only; not professional advice. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.