Total Assets
$31M
Total balance-sheet footings
FDIC Cert #10120 · Lowden, Iowa · Est. 1913
American Trust and Savings 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.
- $31M
- Total assets
- C
- Health grade · Fair
- -0.60%
- Return on assets
- 39.7%
- Tier 1 capital
Data updated July 2026
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
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 10120 · IA C · 56/100
GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL
- GRADE-C C (56/100)
- BOTTOM-DECILE #3999/4307
- PHOTO-FINISH Planters and Citizen… · GA
- TIER1-WELL 39.7% Tier 1
- TEXAS-CLEAN 13.9% Texas
- ROA-LOSS -0.60% ROA
- SIZE-COMMUNITY <$100M
- BOOK-FULL 9/9 fields
Nearest health peer outside Iowa: Planters and Citizens Bank, 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 Trust and Savings Bank
Lowest and highest poles plus nearest scored peers outside Iowa, not a full FDIC corpus board reprint.
What American Trust and Savings Bank's Call Report plate shows
American Trust and Savings Bank (FDIC Cert #10120) carries a PlainBankData health grade of C at 56/100, 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 #3,999 of 4,307. Tier 1 capital prints at 39.72%, clearing the 10% well-capitalized line. The Texas Ratio is 13.93%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.60%. Balance-sheet scale is $31M, 4,233rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Planters and Citizens Bank (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 Trust and Savings Bank
4 FAILURE resolutions in Iowa since 2000 (3 since 2008)
American Trust and Savings 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 Trust and Savings 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 Trust and Savings Bank's 56/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (39.72%) 40/40
Return on Assets (ROA) (-0.60%) 0/25
Texas Ratio (13.93%) 16/20
Efficiency Ratio (126.34%) 0/15
56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
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
Where American Trust and Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. American Trust and Savings Bank's score of 56/100 falls in the highlighted band.
American Trust and Savings Bank: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
56 7th percentile higher than 7% of 4,307 FDIC-insured banks
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 Trust and Savings 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 Trust and Savings Bank's $31M falls in the highlighted band.
Safety ratios for American Trust and Savings Bank
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
39.72%
Texas Ratio
13.93%
Equity Capital
$4M
Profitability metrics: American Trust and Savings Bank
Return on Assets (ROA)
3rd percentile nationally
-0.60%
Return on Equity (ROE)
-5.52%
Efficiency Ratio
126.34%
Income & expense: loss period at American Trust and Savings Bank
$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.
Top banks in Iowa by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($31M here), outside Iowa so the neighborhood is not state containment.
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.
American Trust and Savings 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 →| 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 | 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% |