American State Bank
Sioux Center, IA · Cert 228 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Ambank Co. Inc.
State charter, non-member · FDIC · 1 affiliate bank · 11 branches (13 in holding)
Q2 2026
$1.4BAssets
$1.4BLoans
$1.2BDeposits
$159.2MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 91% of banks $1B-$10B in assets operating regionally (rank 16 of 176).
- Widest gap: net charge-offs / loans trails 83% of banks $1B-$10B in assets operating regionally (rank 147 of 176).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.25%
Rank 90 of 176
Net Interest Margin
3.38%
Rank 116 of 176
Efficiency Ratio
45.11%
Rank 16 of 176
Equity / Assets
11.00%
Rank 69 of 176
Non-interest income vs. expense
Unfavorable gap of $16.0M · efficiency ratio beats 91% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.25% | 0.93% | 1.26% | 1.54% | Beats 49% | 90 / 176 | | |
| Return on Equity | 11.32% | 9.26% | 11.89% | 14.46% | Beats 44% | 99 / 176 | | |
| Net Interest Margin | 3.38% | 3.25% | 3.59% | 3.93% | Beats 34% | 116 / 176 | | |
| Efficiency Ratio | 45.11% | 52.79% | 59.55% | 67.66% | Beats 91% | 16 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.65% | 0.30% | 0.64% | 1.32% | Beats 49% | 90 / 176 | | |
| Net Charge-Offs / Loans | 0.13% | 0.01% | 0.04% | 0.10% | Beats 17% | 147 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 11.78% | 11.15% | 12.72% | 14.15% | Beats 36% | 112 / 176 | | |
| Total Risk-Based Capital Ratio | 13.03% | 11.81% | 13.63% | 15.33% | Beats 41% | 104 / 176 | | |
| Equity / Assets | 11.00% | 9.16% | 10.35% | 11.80% | Beats 61% | 69 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 111.20% | 80.94% | 89.73% | 97.21% | 98th pctl | 3 / 176 | | |
| Loans / Assets | 93.56% | 69.25% | 75.12% | 80.82% | 99th pctl | 1 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |