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American Trust and Savings Bank

under $100M Specialty: Agricultural IA FDIC cert 10120

Designations: ✓ Community bank

Lowden, IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 536 banks in the under $100M peer group nationwide — 1 of 32 in IA.
  • Deposits -18.9% year over year ($23.2M on the books).
  • Delinquency rate 32.38%.
  • Return on assets -1.02%.
  • Efficiency ratio 164.63% vs a 119.40% peer average.
  • Loan-to-deposit ratio 22.71% vs a 74.21% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

536 banks in the under $100M peer group nationally 32 in IA
View under $100M leaderboard (IA) →

American Trust and Savings Bank faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Return on Assets 2.01% below tier average
  • - Net Interest Margin 2.33% below tier average
  • - Efficiency Ratio 45.23% above tier average
  • - Delinquency Rate 30.90% above tier average
  • - Nonperforming Asset Ratio 5.29% above tier average
Get updates when American Trust and Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $27.8M
-16.2% YoY -2.9% QoQ
-$34.6M $62.4M
-0.0% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
Bottom 9.7% in tier
Total Loans ? $5.3M
-6.1% YoY +2.7% QoQ
-$29.6M $34.9M
-0.6% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
Bottom 5.8% in tier
Total Deposits ? $23.2M
-18.9% YoY -1.9% QoQ
-$28.4M $51.6M
-0.2% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
Bottom 13.2% in tier
Return on Assets ? -1.02%
-528.1% YoY -12.9% QoQ
-2.01% 1.00%
+3.5% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
Bottom 6.3% in tier
Net Interest Margin ? 1.59%
-20.4% YoY -2.3% QoQ
-2.33% 3.91%
+2.3% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
Bottom 2.2% in tier
Efficiency Ratio ? 164.63%
+52.5% YoY +5.3% QoQ
+45.23% 119.40%
+49.6% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
Bottom 3.7% in tier
Delinquency Rate ? 32.38%
+222.7% YoY +0.4% QoQ
+30.90% 1.48%
+31.8% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
Bottom 0.4% in tier
Loan-to-Deposit Ratio ? 22.71%
+15.7% YoY +4.7% QoQ
-51.50% 74.21%
+12.6% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
Top 6.3% in tier
Non-Interest-Bearing Deposit Share ? 13.51%
-11.2% YoY -8.8% QoQ
-9.98% 23.49%
+0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
21%
Nonperforming Asset Ratio ? 6.12%
+202.9% YoY +6.2% QoQ
+5.29% 0.84%
+23.0% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
Bottom 1.5% in tier
Tier 1 Capital Ratio ? 39.96%
+1.5% YoY -1.8% QoQ
+12.84% 27.13%
+3.0% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
Top 11.2% in tier
Non-Interest Income / Assets ? 0.04%
-78.8% YoY +126.7% QoQ
-1.34% 1.38%
+6.3% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
Bottom 13.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Noninterest-Bearing 13.5%
-1.7pp YoY
-1.3pp QoQ
 -11.1pp 24.6% 17.8% 22.2% 17%
Brokered Deposits 4.3%
-2.7pp YoY
+0.1pp QoQ
 -5.5pp 9.8% 6.0% 8.5% 40%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 27.2%
-4.4pp YoY
-0.4pp QoQ
 +13.8pp 13.4% 12.8% 12.5% 88%
CRE n/a n/a 25.2% 28.3% 41.4% n/a
1-4 Family 0.3%
-0.2pp YoY
-0.1pp QoQ
 -34.7pp 35.0% 23.0% 31.3% 2%
Consumer 15.0%
+1.7pp YoY
+2.0pp QoQ
 +7.3pp 7.7% 2.9% 5.0% 89%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio 40.0%
+0.6pp YoY
-0.8pp QoQ
 +1.3pp 38.7% 15.4% 19.7% 80%
Leverage Ratio 15.7%
+1.4pp YoY
+0.4pp QoQ
 -2.0pp 17.7% 12.4% 12.6% 73%
Total Capital Ratio 41.2%
+0.6pp YoY
-0.7pp QoQ
 +1.6pp 39.7% 16.5% 20.8% 81%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 4
-1 (-20.0%) YoY
0 QoQ
 -8 12 64 482 2%
Assets per Employee ($) $7.0M
+4.7% YoY
-2.9% QoQ
 +$773K $6.2M $8.9M $8.8M 65%
Branch Count 1
0 YoY
0 QoQ
 -1 1 5 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 1.0% 0.4% 0.4% n/a
Nonaccrual 32.4%
+22.3pp YoY
+0.1pp QoQ
 +30.6pp 1.7% 1.0% 1.0% 99%
Allowance Coverage 0.24x
-58.3% YoY
-3.0% QoQ
 -6.17x 6.41x 18.97x 20.23x 4%
Net Charge-off Rate (YTD) -0.1%
0.0pp YoY
+0.1pp QoQ
 -0.2pp 0.2% 0.1% 0.2% 12%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE -8.2%
-6.6pp YoY
-0.9pp QoQ
 -14.6pp 6.4% 12.8% 11.6% 5%
Cost of Funds (YTD) 1.2%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 1.4% 1.8% 1.7% 37%
Net Income ($, YTD) $-148000.0
-448.1% YoY
— QoQ
 -$466K $317,817 $4.0M $40.4M 8%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 536 peers in under $100M

Top Strengths (2 metrics)

35
Loan-to-Deposit Ratio
liquidity
Value: 22.71%
Peer Median: 74.21%
#35 of 536 Top 6.3% in under $100M
61
Tier 1 Capital Ratio
capital
Value: 39.96%
Peer Median: 27.13%
#61 of 536 Top 11.2% in under $100M

Top Weaknesses (10 metrics)

516
Delinquency Rate
credit_quality
Value: 32.38%
Peer Median: 1.48%
#516 of 517 Bottom 0.4% in under $100M
529
Nonperforming Asset Ratio
credit_quality
Value: 6.12%
Peer Median: 0.84%
#529 of 536 Bottom 1.5% in under $100M
525
Net Interest Margin
profitability
Value: 1.59%
Peer Median: 3.91%
#525 of 536 Bottom 2.2% in under $100M
517
Efficiency Ratio
profitability
Value: 164.63%
Peer Median: 119.40%
#517 of 536 Bottom 3.7% in under $100M
506
Total Loans
size
Value: $5.27M
Peer Median: $34.89M
#506 of 536 Bottom 5.8% in under $100M
503
Return on Assets
profitability
Value: -1.02%
Peer Median: 1.00%
#503 of 536 Bottom 6.3% in under $100M
485
Total Assets
size
Value: $27.84M
Peer Median: $62.44M
#485 of 536 Bottom 9.7% in under $100M
466
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 1.38%
#466 of 536 Bottom 13.2% in under $100M
466
Total Deposits
size
Value: $23.19M
Peer Median: $51.62M
#466 of 536 Bottom 13.2% in under $100M
426
Non-Interest-Bearing Deposit Share
funding
Value: 13.51%
Peer Median: 23.49%
#426 of 536 Bottom 20.7% in under $100M
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