Centerville, SD · Cert 6078 · One American Financial Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
68
Asset Quality
8
Profitability
0
Liquidity
12
Efficiency
2
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Centerville, SD · Cert 6078 · One American Financial Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Sioux Falls, SD-MN · 2026 SOD (annual) · 0.0% share · #19 of 42 inst. · $0.2B of $1127.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.72% | -0.02% | -1.12% | -1.65% | -1.36% | -1.48% | -1.94% | -3.96% | -231 bps | |
| Return on Equity | -24.68% | -0.27% | -13.79% | -20.51% | -16.84% | -18.40% | -25.44% | -47.90% | -2,739 bps | |
| Net Interest Margin | 1.22% | 1.24% | 1.14% | 1.20% | 1.36% | 1.32% | 0.87% | 1.00% | -20 bps | |
| Efficiency Ratio | 145.87% | 144.06% | 218% | 226% | 185.05% | 194.77% | 240% | 121.66% | -10,465 bps | |
| Non-Interest Burden | 2.20% | 2.15% | 2.76% | 3.01% | 2.80% | 2.82% | 2.48% | 1.54% | -147 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.92% | -7.78% | -14.50% | -6.12% | -9.59% | -11.93% | -6.63% | -25.95% | -1,983 bps | |
| Loan Growth (YoY) | -9.26% | -9.42% | -9.63% | -9.48% | -9.30% | -8.38% | -9.29% | -22.03% | -1,255 bps | |
| Deposit Growth (YoY) | -10.32% | -10.81% | -19.66% | -9.14% | -14.16% | -15.00% | -7.26% | -10.79% | -165 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.71% | 0.72% | 0.52% | 0.46% | 0.51% | 0.58% | 0.79% | 1.56% | +109 bps | |
| Net Charge-Offs / Loans | 1.08% | 1.09% | 0.93% | 0.80% | 0.83% | 0.86% | 0.72% | 5.45% | +464 bps | |
| Allowance / Loans | 2.25% | 2.23% | 2.14% | 2.11% | 2.05% | 1.97% | 1.95% | 2.19% | +8 bps | |
| Allowance Coverage of NPLs | 3.2x | 3.1x | 4.1x | 4.6x | 4.0x | 3.4x | 2.5x | 1.4x | -3.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 6.71% | 8.29% | 8.21% | 8.22% | 8.24% | 8.08% | 7.62% | 8.35% | +13 bps | |
| Total Risk-Based Capital | 14.03% | 16.99% | 17.07% | 17.32% | 17.37% | 16.85% | 16.52% | 20.69% | +337 bps | |
| Equity / Assets | 6.68% | 8.03% | 8.16% | 8.00% | 8.09% | 7.92% | 7.32% | 9.93% | +193 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 110.14% | 109.94% | 114.30% | 111.60% | 116.38% | 118.50% | 111.79% | 97.54% | -1,406 bps | |
| Liquid Assets / Assets | 12.27% | 14.59% | 12.32% | 14.57% | 12.32% | 11.26% | 15.10% | 11.01% | -356 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 53.51% | 56.21% | 56.85% | n/a | n/a | |
Centerville, SD · Cert 6078 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · One American Financial Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
-4.64%
Rank 743 of 746
Net Interest Margin
1.00%
Rank 743 of 746
Efficiency Ratio
121.66%
Rank 735 of 746
Equity / Assets
9.93%
Rank 435 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -4.64% | 0.72% | 1.06% | 1.45% | Beats 0% | 743 / 746 | n/a | |
| Return on Equity | -46.76% | 6.74% | 10.51% | 13.63% | Beats 0% | 744 / 746 | n/a | |
| Net Interest Margin | 1.00% | 3.17% | 3.68% | 4.16% | Beats 0% | 743 / 746 | n/a | |
| Efficiency Ratio | 121.66% | 55.74% | 64.58% | 75.47% | Beats 2% | 735 / 746 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.56% | 0.09% | 0.42% | 1.07% | Beats 16% | 625 / 743 | n/a | |
| Net Charge-Offs / Loans | 2.80% | 0.00% | 0.01% | 0.05% | Beats 0% | 742 / 743 | n/a | |
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.42% | 11.55% | 13.75% | 17.60% | Beats 81% | 142 / 746 | n/a | |
| Total Risk-Based Capital Ratio | 20.69% | 11.71% | 14.33% | 18.43% | Beats 82% | 132 / 746 | n/a | |
| Equity / Assets | 9.93% | 8.90% | 10.51% | 13.06% | Beats 42% | 435 / 746 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 97.54% | 61.31% | 78.27% | 90.78% | 88th pctl | 91 / 746 | n/a | |
| Loans / Assets | 79.19% | 53.60% | 66.97% | 76.08% | 83rd pctl | 124 / 746 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||