American State Bank
Osceola, IA · Cert 26944 · Peer group: banks under $1B in assets in IA (n=134-135) · Osceola Bcorp
State charter, Fed member · FED · 4 branches
Q2 2026
$360.8MAssets
$249.1MLoans
$282.8MDeposits
$35.9MEquity
Executive Summary
- Strongest standing: return on equity outperforms 93% of banks under $1B in assets in IA (rank 9 of 135).
- Widest gap: total risk-based capital ratio trails 81% of banks under $1B in assets in IA (rank 110 of 135).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.74%
Rank 14 of 135
Net Interest Margin
3.83%
Rank 27 of 135
Efficiency Ratio
49.33%
Rank 31 of 135
Equity / Assets
9.95%
Rank 96 of 135
Non-interest income vs. expense
Unfavorable gap of $5.5M · efficiency ratio beats 78% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.74% | 0.92% | 1.19% | 1.47% | Beats 90% | 14 / 135 | | |
| Return on Equity | 17.53% | 7.99% | 10.26% | 13.14% | Beats 93% | 9 / 135 | | |
| Net Interest Margin | 3.83% | 2.95% | 3.41% | 3.73% | Beats 80% | 27 / 135 | | |
| Efficiency Ratio | 49.33% | 50.61% | 57.35% | 63.29% | Beats 78% | 31 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.03% | 0.51% | 1.26% | Beats 73% | 37 / 134 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.03% | Beats 36% | 87 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 11.11% | 11.23% | 13.31% | 15.45% | Beats 22% | 105 / 135 | | |
| Total Risk-Based Capital Ratio | 11.11% | 11.61% | 14.06% | 16.47% | Beats 19% | 110 / 135 | | |
| Equity / Assets | 9.95% | 9.87% | 11.05% | 13.07% | Beats 29% | 96 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.09% | 68.54% | 81.55% | 91.24% | 64th pctl | 48 / 134 | | |
| Loans / Assets | 69.05% | 57.61% | 68.06% | 76.23% | 53rd pctl | 64 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |