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American State Bank

$1B-$10B Specialty: Agricultural IA FDIC cert 228

Designations: ✓ Community bank

Sioux Center, IA

11 branches across IA · SD

884 banks in the $1B-$10B peer group nationally 27 in IA
View $1B-$10B leaderboard (IA) →

American State Bank has 1 strength but faces 3 concerns

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

  • + Efficiency Ratio 15.06% below tier average

Key Concerns

Areas that may need attention

  • - Loan-to-Deposit Ratio 23.89% above tier average
  • - Net Interest Margin 0.53% below tier average
  • - Delinquency Rate 0.08% above tier average
Get updates when American State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $1.5B
+0.3% YoY -3.6% QoQ
-$1.4B $2.8B
-0.1% YoY
$560.1M
+4.8% YoY
$6.2B
+9.1% YoY
32%
Total Loans ? $1.3B
+1.8% YoY -0.0% QoQ
-$619.2M $2.0B
+0.6% YoY
$379.9M
+5.0% YoY
$3.2B
+10.8% YoY
49%
Total Deposits ? $1.2B
+3.9% YoY -4.5% QoQ
-$1.1B $2.3B
-0.3% YoY
$469.6M
+4.4% YoY
$4.8B
+8.2% YoY
34%
Return on Assets ? 1.37%
+22.2% YoY +13.7% QoQ
+0.00% 1.37%
+19.6% YoY
1.31%
+22.6% YoY
1.23%
+13.4% YoY
62%
Net Interest Margin ? 3.29%
+15.5% YoY +6.5% QoQ
-0.53% 3.82%
+6.9% YoY
3.52%
+10.3% YoY
3.89%
+5.7% YoY
29%
Efficiency Ratio ? 46.00%
-14.3% YoY -3.8% QoQ
-15.06% 61.06%
-4.6% YoY
58.40%
-7.6% YoY
66.95%
-4.1% YoY
Top 12.4% in tier
Delinquency Rate ? 0.96%
-53.3% YoY +6.2% QoQ
+0.08% 0.89%
+14.1% YoY
0.92%
+14.5% YoY
0.95%
+18.8% YoY
28%
Loan-to-Deposit Ratio ? 108.10%
-2.0% YoY +4.7% QoQ
+23.89% 84.20%
+0.3% YoY
77.40%
+1.1% YoY
76.70%
+0.9% YoY
Bottom 5.3% in tier
Non-Interest-Bearing Deposit Share ? 10.10%
+0.4% YoY -22.8% QoQ
-11.19% 21.29%
-2.5% YoY
17.87%
+0.7% YoY
22.01%
-1.2% YoY
Bottom 11.8% in tier
Nonperforming Asset Ratio ? 0.89%
-52.6% YoY +10.2% QoQ
+0.22% 0.67%
+15.6% YoY
0.58%
+11.7% YoY
0.67%
+19.3% YoY
24%
Tier 1 Capital Ratio ? 11.73%
+5.2% YoY +0.9% QoQ
-3.43% 15.16%
+2.0% YoY
14.34%
+1.8% YoY
17.06%
+0.8% YoY
28%
Non-Interest Income / Assets ? 0.19%
+30.6% YoY -69.7% QoQ
-0.07% 0.26%
+1.6% YoY
0.12%
+10.7% YoY
0.32%
+4.1% YoY
70%

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 884 peers in $1B-$10B

Top Strengths (1 metrics)

111
Efficiency Ratio
profitability
Value: 46.00%
Peer Median: 61.06%
#111 of 884 Top 12.4% in $1B-$10B

Top Weaknesses (3 metrics)

838
Loan-to-Deposit Ratio
liquidity
Value: 108.10%
Peer Median: 84.20%
#838 of 884 Bottom 5.3% in $1B-$10B
781
Non-Interest-Bearing Deposit Share
funding
Value: 10.10%
Peer Median: 21.29%
#781 of 884 Bottom 11.8% in $1B-$10B
672
Nonperforming Asset Ratio
credit_quality
Value: 0.89%
Peer Median: 0.67%
#672 of 884 Bottom 24.1% in $1B-$10B
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