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One American Bank

$100M-$1B Specialty: Mortgage SD FDIC cert 6078

Centerville, SD

3 branches across SD

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 24 in SD.
  • Deposits -10.8% year over year ($231.5M on the books).
  • Delinquency rate 1.59%.
  • Return on assets -3.96%.
  • Efficiency ratio 121.66% vs a 64.48% peer average.
  • Loan-to-deposit ratio 95.40% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 24 in SD
View $100M-$1B leaderboard (SD) →

One American Bank has 1 strength but faces 8 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

  • + Revenue Diversifier: Top 35.2% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 2.8% in tier
  • - Efficiency Drag: Bottom 13.0% in tier
  • - Liquidity Overhang: Bottom 21.6% in tier
  • - Deposit Outflow: Bottom 26.7% in tier
  • - Capital Constraint: Bottom 64.5% in tier
  • - Return on Assets 5.29% below tier average
  • - Net Interest Margin 2.87% below tier average
  • - Non-Interest-Bearing Deposit Share 14.07% below tier average
Get updates when One American Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Total Assets ? $285.2M
-26.0% YoY -20.9% QoQ
-$101.4M $386.6M
+1.2% YoY
$70.4B
+8.4% YoY
$6.3B
+7.7% YoY
43%
Total Loans ? $220.9M
-22.1% YoY -16.2% QoQ
-$37.5M $258.3M
+1.7% YoY
$31.5B
+10.3% YoY
$3.2B
+9.4% YoY
52%
Total Deposits ? $231.5M
-10.8% YoY -3.8% QoQ
-$95.2M $326.7M
+0.7% YoY
$56.5B
+10.5% YoY
$4.9B
+7.3% YoY
41%
Return on Assets ? -3.96%
-139.8% YoY -104.5% QoQ
-5.29% 1.32%
+10.8% YoY
1.40%
+6.8% YoY
1.30%
+12.1% YoY
Bottom 0.2% in tier
Net Interest Margin ? 1.12%
-11.5% YoY +19.1% QoQ
-2.87% 3.99%
+5.0% YoY
4.26%
+1.1% YoY
3.95%
+4.9% YoY
Bottom 0.2% in tier
Efficiency Ratio ? 121.66%
-46.2% YoY -49.3% QoQ
+57.18% 64.48%
-3.2% YoY
60.99%
-4.4% YoY
70.05%
+2.5% YoY
Bottom 0.9% in tier
Delinquency Rate ? 1.59%
+238.0% YoY +97.4% QoQ
+0.67% 0.92%
+15.7% YoY
0.78%
+47.6% YoY
0.98%
+16.3% YoY
18%
Loan-to-Deposit Ratio ? 95.40%
-12.7% YoY -13.0% QoQ
+17.45% 77.95%
+1.0% YoY
73.26%
-0.6% YoY
79.03%
+2.3% YoY
16%
Non-Interest-Bearing Deposit Share ? 7.96%
+10.4% YoY +2.3% QoQ
-14.07% 22.03%
-0.6% YoY
23.46%
+3.2% YoY
21.98%
-0.6% YoY
Bottom 7.0% in tier
Nonperforming Asset Ratio ? 1.23%
+255.6% YoY +108.9% QoQ
+0.56% 0.67%
+16.4% YoY
0.54%
+39.8% YoY
0.69%
+15.8% YoY
16%
Tier 1 Capital Ratio ? 19.42%
+21.0% YoY +27.3% QoQ
+3.51% 15.91%
+1.4% YoY
15.80%
+1.0% YoY
17.09%
+0.8% YoY
85%
Non-Interest Income / Assets ? 0.92%
+698.1% YoY
+0.36% 0.57%
+7.6% YoY
0.54%
-0.1% YoY
0.66%
+5.2% YoY
Top 3.9% 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 (SD) National Avg Tier Percentile
Noninterest-Bearing 8.0%
+0.7pp YoY
+0.2pp QoQ
 -14.2pp 22.1% 23.5% 22.2% 6%
Brokered Deposits 0.3%
-0.6pp YoY
-0.1pp QoQ
 -7.5pp 7.9% 8.7% 8.5% 10%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
C&I 1.9%
+0.3pp YoY
+0.3pp QoQ
 -9.6pp 11.6% 14.1% 12.5% 6%
CRE n/a n/a 39.5% 31.5% 41.4% n/a
1-4 Family 80.0%
-0.5pp YoY
-2.3pp QoQ
 +47.4pp 32.6% 14.9% 31.3% 96%
Consumer 10.4%
-0.8pp YoY
+0.9pp QoQ
 +6.3pp 4.1% 8.5% 5.0% 93%

Capital

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
CET1 Ratio 19.4%
+3.4pp YoY
+4.2pp QoQ
 +0.6pp 18.8% 17.6% 19.7% 75%
Leverage Ratio 8.3%
+0.1pp YoY
+0.7pp QoQ
 -3.8pp 12.2% 11.9% 12.6% 4%
Total Capital Ratio 20.7%
+3.4pp YoY
+4.2pp QoQ
 +0.8pp 19.9% 18.8% 20.8% 76%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Full-Time Employees 38
-4 (-9.5%) YoY
0 QoQ
 -21 58 6,279 482 39%
Assets per Employee ($) $7.5M
-18.2% YoY
-20.9% QoQ
 -$13K $7.5M $8.1M $8.8M 61%
Branch Count 3
0 YoY
0 QoQ
 -2 4 92 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Past Due 90+ Days 1.5%
+1.1pp YoY
+0.8pp QoQ
 +1.2pp 0.3% 0.2% 0.4% 96%
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.0% 1.0% 16%
Allowance Coverage 1.41x
-69.2% YoY
-42.8% QoQ
 -22.74x 24.15x 96.54x 20.23x 38%
Net Charge-off Rate (YTD) 4.8%
+4.0pp YoY
+4.1pp QoQ
 +4.6pp 0.1% 0.7% 0.2% 100%

Profitability

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
ROE -47.9%
-27.4pp YoY
-22.5pp QoQ
 -60.1pp 12.2% 12.4% 11.6% 0%
Cost of Funds (YTD) 3.8%
0.0pp YoY
+0.1pp QoQ
 +2.0pp 1.7% 1.7% 1.7% 100%
Net Income ($, YTD) $-6621000.0
-104.4% YoY
— QoQ
 -$9.2M $2.6M $418.8M $40.4M 0%

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 (1)

Revenue Diversifier

growth
#234 of 661 • Top 35.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.92%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: -3.96%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Concerns (5)

Liquidity Strain

risk
#20 of 691 • Bottom 2.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 95.40%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Efficiency Drag

risk
#48 of 361 • Bottom 13.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 121.66%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#161 of 742 • Bottom 21.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 19.42%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 95.40%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ

Deposit Outflow

decline
#144 of 535 • Bottom 26.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

Capital Constraint

risk
#70 of 107 • Bottom 64.5% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 95.40%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 19.42%
(Tier: 15.91%, National: 17.09%)
better than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

104
Non-Interest Income / Assets
revenue_mix
Value: 0.92%
Peer Median: 0.57%
#104 of 2643 Top 3.9% in $100M-$1B
399
Tier 1 Capital Ratio
capital
Value: 19.42%
Peer Median: 15.91%
#399 of 2643 Top 15.1% in $100M-$1B

Top Weaknesses (7 metrics)

2640
Net Interest Margin
profitability
Value: 1.12%
Peer Median: 3.99%
#2640 of 2643 Bottom 0.2% in $100M-$1B
2638
Return on Assets
profitability
Value: -3.96%
Peer Median: 1.32%
#2638 of 2643 Bottom 0.2% in $100M-$1B
2620
Efficiency Ratio
profitability
Value: 121.66%
Peer Median: 64.48%
#2620 of 2643 Bottom 0.9% in $100M-$1B
2460
Non-Interest-Bearing Deposit Share
funding
Value: 7.96%
Peer Median: 22.03%
#2460 of 2643 Bottom 7.0% in $100M-$1B
2228
Loan-to-Deposit Ratio
liquidity
Value: 95.40%
Peer Median: 77.95%
#2228 of 2643 Bottom 15.7% in $100M-$1B
2226
Nonperforming Asset Ratio
credit_quality
Value: 1.23%
Peer Median: 0.67%
#2226 of 2643 Bottom 15.8% in $100M-$1B
2173
Delinquency Rate
credit_quality
Value: 1.59%
Peer Median: 0.92%
#2173 of 2633 Bottom 17.5% in $100M-$1B
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