One American Bank
Centerville, SD · Cert 6078 · Peer group: banks under $1B in assets (n=573-620) · 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 139 of 620).
- Widest gap: net charge-offs / loans trails 99% of banks under $1B in assets (rank 571 of 573).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
-4.64%
Rank 609 of 620
Net Interest Margin
1.00%
Rank 610 of 620
Efficiency Ratio
121.66%
Rank 593 of 620
Equity / Assets
9.93%
Rank 364 of 620
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -4.64% | 0.60% | 1.00% | 1.45% | Beats 2% | 609 / 620 | | |
| Return on Equity | -46.76% | 5.30% | 9.30% | 13.29% | Beats 1% | 616 / 620 | | |
| Net Interest Margin | 1.00% | 3.02% | 3.53% | 4.04% | Beats 2% | 610 / 620 | | |
| Efficiency Ratio | 121.66% | 58.35% | 68.08% | 79.37% | Beats 5% | 593 / 620 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.56% | 0.09% | 0.47% | 1.27% | Beats 19% | 466 / 573 | | |
| Net Charge-Offs / Loans | 2.80% | n/a | 0.01% | 0.06% | Beats 1% | 571 / 573 | | |
| Capital |
| Tier 1 Capital Ratio | 19.42% | 11.27% | 13.87% | 18.78% | Beats 76% | 146 / 620 | | |
| Total Risk-Based Capital Ratio | 20.69% | 11.69% | 14.57% | 19.67% | Beats 78% | 139 / 620 | | |
| Equity / Assets | 9.93% | 9.03% | 10.60% | 13.73% | Beats 41% | 364 / 620 | | |
| Liquidity & Funding |
| Loans / Deposits | 97.54% | 65.08% | 79.69% | 92.47% | 83rd pctl | 99 / 585 | | |
| Loans / Assets | 79.19% | 51.85% | 67.17% | 77.86% | 81st pctl | 118 / 620 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |