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One American Bank
Centerville, SD · FDIC Certificate #6078 · Chartered 01/0
Total assets
$285.19M
Total deposits
$231.53M
Total equity
$28.32M
Net loans
$220.88M
Branches (offices)
3
Net income (YTD)
-$6.62M
Rank: #2,545 of 4,213 U.S. banks by assets · #29 of 56 in South Dakota. Assets changed -26.0% and deposits -10.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -3.96% |
| Return on equity | -47.90% |
| Net interest margin (YTD) | 1.12% |
| Equity to assets | 9.93% |
| Tier 1 leverage ratio | 8.35% |
| Uninsured deposits (share of deposits) | 10.8% |
| Noncurrent loans (share of loans) | 1.56% |
| Net charge-offs (share of loans) | 4.78% |
| Loans to deposits | 95.4% |
| Real estate loans (share of loans) | 88.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $195.05M | 88.3% | |
| Commercial & industrial | $4.21M | 1.9% | |
| Consumer / individual | $23.06M | 10.4% | |
| Construction & development | $409.00K | 0.2% | |
| Agricultural | $3.13M | 1.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $449.14M | $347.32M | $1.86M | $46.96M |
| Jun 2023 | $424.23M | $263.99M | $581.00K | $39.13M |
| Jun 2024 | $410.25M | $285.63M | -$4.25M | $28.22M |
| Jun 2025 | $385.15M | $259.53M | -$3.24M | $30.79M |
| Jun 2026 | $285.19M | $231.53M | -$6.62M | $28.32M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Dakota | $231.53M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $231.53M.
Similar-sized banks
Goodfield State Bank ($285.52M) · Victory Bank ($284.76M)
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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