One American Bank
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
$285.2MAssets
$225.8MLoans
$231.5MDeposits
$28.3MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 82% of banks under $1B in assets operating in a single state (rank 132 of 746).
- Widest gap: net charge-offs / loans trails 100% of banks under $1B in assets operating in a single state (rank 742 of 743).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $5.4M · efficiency ratio beats 2% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -4.64% | 0.72% | 1.06% | 1.45% | Beats 0% | 743 / 746 | |
| Return on Equity | -46.76% | 6.74% | 10.51% | 13.63% | Beats 0% | 744 / 746 | |
| Net Interest Margin | 1.00% | 3.17% | 3.68% | 4.16% | Beats 0% | 743 / 746 | |
| Efficiency Ratio | 121.66% | 55.74% | 64.58% | 75.47% | Beats 2% | 735 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.56% | 0.09% | 0.42% | 1.07% | Beats 16% | 625 / 743 | |
| Net Charge-Offs / Loans | 2.80% | 0.00% | 0.01% | 0.05% | Beats 0% | 742 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 19.42% | 11.55% | 13.75% | 17.60% | Beats 81% | 142 / 746 | |
| Total Risk-Based Capital Ratio | 20.69% | 11.71% | 14.33% | 18.43% | Beats 82% | 132 / 746 | |
| Equity / Assets | 9.93% | 8.90% | 10.51% | 13.06% | Beats 42% | 435 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 97.54% | 61.31% | 78.27% | 90.78% | 88th pctl | 91 / 746 | |
| Loans / Assets | 79.19% | 53.60% | 66.97% | 76.08% | 83rd pctl | 124 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |