American Trust & Savings Bank
Lowden, IA · Cert 10120 · Peer group: banks under $1B in assets in IA (n=134-135) · Lowden Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$27.8MAssets
$5.7MLoans
$23.2MDeposits
$3.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IA (rank 45 of 134).
- Widest gap: nonperforming loans / loans trails 99% of banks under $1B in assets in IA (rank 134 of 134).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
-1.06%
Rank 133 of 135
Net Interest Margin
1.44%
Rank 134 of 135
Efficiency Ratio
164.63%
Rank 135 of 135
Equity / Assets
12.55%
Rank 41 of 135
Non-interest income vs. expense
Unfavorable gap of $732K · efficiency ratio beats 1% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.06% | 0.92% | 1.19% | 1.47% | Beats 1% | 133 / 135 | |
| Return on Equity | -8.47% | 7.99% | 10.26% | 13.14% | Beats 1% | 134 / 135 | |
| Net Interest Margin | 1.44% | 2.95% | 3.41% | 3.73% | Beats 1% | 134 / 135 | |
| Efficiency Ratio | 164.63% | 50.61% | 57.35% | 63.29% | Beats 1% | 135 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 30.07% | 0.03% | 0.51% | 1.26% | Beats 1% | 134 / 134 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 39.96% | 11.23% | 13.31% | 15.45% | Beats 98% | 3 / 135 | |
| Total Risk-Based Capital Ratio | 41.23% | 11.61% | 14.06% | 16.47% | Beats 98% | 3 / 135 | |
| Equity / Assets | 12.55% | 9.87% | 11.05% | 13.07% | Beats 70% | 41 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 24.45% | 68.54% | 81.55% | 91.24% | 0th pctl | 134 / 134 | |
| Loans / Assets | 20.37% | 57.61% | 68.06% | 76.23% | 1st pctl | 134 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |