One American Bank
Centerville, SD · Cert 6078 · Peer group: banks under $1B in assets (n=570-617) · One American Financial Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
$285.2MAssets
$225.8MLoans
$231.5MDeposits
$28.3MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 78% of banks under $1B in assets (rank 136 of 617).
- Widest gap: return on equity trails 100% of banks under $1B in assets (rank 614 of 617).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
-4.64%
Rank 606 of 617
Net Interest Margin
1.00%
Rank 607 of 617
Efficiency Ratio
121.66%
Rank 590 of 617
Equity / Assets
9.93%
Rank 363 of 617
Non-interest income vs. expense
Unfavorable gap of $5.4M · efficiency ratio beats 5% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -4.64% | 0.60% | 1.01% | 1.45% | Beats 2% | 606 / 617 | |
| Return on Equity | -46.76% | 5.30% | 9.43% | 13.30% | Beats 0% | 614 / 617 | |
| Net Interest Margin | 1.00% | 3.04% | 3.54% | 4.05% | Beats 2% | 607 / 617 | |
| Efficiency Ratio | 121.66% | 58.03% | 67.76% | 79.08% | Beats 5% | 590 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.56% | 0.09% | 0.47% | 1.27% | Beats 19% | 465 / 570 | |
| Net Charge-Offs / Loans | 2.80% | n/a | 0.01% | 0.06% | Beats 1% | 568 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 19.42% | 11.18% | 13.83% | 18.55% | Beats 77% | 143 / 617 | |
| Total Risk-Based Capital Ratio | 20.69% | 11.56% | 14.39% | 19.39% | Beats 78% | 136 / 617 | |
| Equity / Assets | 9.93% | 9.03% | 10.55% | 13.63% | Beats 41% | 363 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 97.54% | 64.77% | 79.70% | 93.06% | 83rd pctl | 98 / 582 | |
| Loans / Assets | 79.19% | 51.70% | 67.18% | 77.51% | 81st pctl | 118 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |