FDIC Cert #6078 · Centerville, South Dakota · Est. 1883

One American 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.
$357M
Total assets
C
Health grade · Fair
-1.48%
Return on assets
15.6%
Tier 1 capital

Data updated July 2026

The verdict

One American Bank earns a PlainBankData health grade of C (60/100), with well-capitalized at 15.58% Tier 1, -1.48% ROA, 195% efficiency ratio.

#2,253
largest of 4,313 FDIC banks by assets
48th
percentile by asset size, nationally
15.58%
Tier 1 ratio - above the 10% well-capitalized line
1st
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 6078 · SD C · 60/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-C C (60/100)
  • LOWER-Q #3787/4307
  • PHOTO-FINISH Legends West Bank · NE
  • TIER1-WELL 15.6% Tier 1
  • TEXAS-CLEAN 4.7% Texas
  • ROA-LOSS -1.48% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside South Dakota: Legends West Bank, NE (±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 One American Bank

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

Morgan Stanley Bank,… · UT ·…100/100B2 Bank National Ass… · MN ·…60/100First Bank Blue Earth · MN ·…60/100Legends West Bank · NE · near60/100One American Bank · SD · thi…60/100Star Bank · MN · near60/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around One American Bank · July 2026

Plate reading for One American Bank where failures stay rare

One American Bank (FDIC Cert #6078) carries a PlainBankData health grade of C at 60/100, 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 #3,787 of 4,307. Tier 1 capital prints at 15.58%, clearing the 10% well-capitalized line. The Texas Ratio is 4.74%, inside the sub-50% band analysts treat as healthy. Return on assets is -1.48%. Balance-sheet scale is $357M, 2,253rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Legends West Bank (NE), 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 One American Bank

Only 1 FAILURE resolution in South Dakota since 2000

One American Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BANKFIRST SIOUX FALLS, SD 2009 → ALERUS FINANCIAL, NATIONAL ASSOCIATION
  • FIRST FSB OF SOUTH DAKOTA RAPID CITY, SD 1992 → METROPOLITAN FB, FSB
  • FIRST FSB HURON, SD 1991 → BRANCH SALE

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

How One American Bank's 60/100 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 avg77/10060/100
One American Bank's composite health score
Tier 1 Capital Ratio (15.58%) 40/40
Return on Assets (ROA) (-1.48%) 0/25
Texas Ratio (4.74%) 20/20
Efficiency Ratio (194.77%) 0/15

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

Balance sheet at a glance

Total Assets

$357M

Total balance-sheet footings

Total Deposits

$234M

Customer-funded liabilities

Net Loans

$272M

Outstanding loan book

Net Income

$-5,625K

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.) 14.18% 15.58% 16.98%
Basel III capital ratios - One American Bank

Where One American Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. One American Bank's score of 60/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

60 12th percentile higher than 12% 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%). This entry sits in this band. 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. One American 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

One American 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). One American Bank's $357M falls in the highlighted band.

Safety metrics: One American Bank

Tier 1 capital ratio
Well-capitalized 10%

15.58% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.58%
Texas Ratio
4.74%
Equity Capital
$28M

What these ratios mean →

Profitability metrics: One American Bank

Return on Assets (ROA)
1st percentile nationally
-1.48%
Return on Equity (ROE)
-18.40%
Efficiency Ratio
194.77%

What these mean →

Income & expense: loss period at One American Bank

$18M
Interest Income
$983K
Non-Interest Income
$11M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. One American Bank reports a Texas Ratio of 4.74% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.74% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at One American Bank

One American Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-5,625K 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 One American 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 One American Bank on FDIC BankFind →

Top banks in South Dakota by total assets

Largest banks headquartered in South Dakota
  1. 1
    Citibank $1.84T

    Sioux Falls, SD · Grade A

  2. 2
    Wells Fargo Bank $1.82T

    Sioux Falls, SD · Grade A

  3. 3
    The Bancorp Bank $9.3B

    Sioux Falls, SD · Grade A

  4. 4
    Pathward $7.6B

    Sioux Falls, SD · Grade A

  5. 5
    Dacotah Bank $4.8B

    Aberdeen, SD · Grade B

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($357M here), outside South Dakota so the neighborhood is not state containment.

AmeriFirst Bank $357M · AL The Hocking Valley Bank $356M · OH Infinity Bank $356M · CA First State Bank of DeKalb County $356M · AL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) One American Bank (FDIC Cert #6078) - 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.

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

Other banks in South Dakota

All South Dakota banks →
BankAssetsGradeROA
Citibank, National AssociationSioux Falls $1.84T A 0.85%
Wells Fargo Bank, National AssociationSioux Falls $1.82T A 1.41%
The Bancorp Bank, National AssociationSioux Falls $9.3B A 2.81%
Pathward, National AssociationSioux Falls $7.6B A 2.65%
Dacotah BankAberdeen $4.8B B 1.01%
First Bank & TrustBrookings $4.7B B 1.02%
First PREMIER BankSioux Falls $4.2B A 1.67%
First Dakota National BankYankton $3.2B A 1.38%