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American State Bank
Sioux Center, IA · FDIC Certificate #228 · Chartered 09/0
Total assets
$1.45B
Total deposits
$1.22B
Total equity
$159.25M
Net loans
$1.34B
Branches (offices)
11
Net income (YTD)
$11.09M
Rank: #766 of 4,213 U.S. banks by assets · #20 of 225 in Iowa. Assets changed -2.7% and deposits -1.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.51% |
| Return on equity | 14.04% |
| Net interest margin (YTD) | 3.49% |
| Equity to assets | 11.00% |
| Tier 1 leverage ratio | 10.81% |
| Uninsured deposits (share of deposits) | 38.7% |
| Noncurrent loans (share of loans) | 0.65% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 109.7% |
| Real estate loans (share of loans) | 55.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $744.03M | 55.7% | |
| Commercial & industrial | $240.71M | 18.0% | |
| Consumer / individual | $14.63M | 1.1% | |
| Construction & development | $33.24M | 2.5% | |
| Agricultural | $338.95M | 25.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.16B | $951.22M | $8.49M | $124.46M |
| Jun 2023 | $1.31B | $1.10B | $7.35M | $130.97M |
| Jun 2024 | $1.44B | $1.13B | $8.49M | $142.19M |
| Jun 2025 | $1.49B | $1.24B | $8.74M | $150.38M |
| Jun 2026 | $1.45B | $1.22B | $11.09M | $159.25M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $1.16B | 10 |
| South Dakota | $55.30M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.22B.
Similar-sized banks
Malaga Bank F.S.B. ($1.45B) · The Union Bank Company ($1.44B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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