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One American Bank

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

Centerville, SD

3 branches across SD

2664 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

  • + Delinquency Rate 0.08% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 15.0% in tier
  • - Deposit Outflow: Bottom 15.0% in tier
  • - Liquidity Strain: Bottom 18.7% in tier
  • - Credit Quality Pressure: Bottom 48.4% in tier
  • - Capital Constraint: Bottom 75.0% in tier
  • - Return on Assets 3.21% below tier average
  • - Net Interest Margin 2.99% below tier average
  • - Non-Interest-Bearing Deposit Share 14.23% below tier average
Get updates when One American Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Total Assets ? $360.3M
-6.6% YoY +1.1% QoQ
-$25.8M $386.1M
+0.5% YoY
$68.7B
+9.0% YoY
$6.2B
+9.1% YoY
56%
Total Loans ? $263.7M
-9.1% YoY -3.2% QoQ
+$8.0M $255.7M
+1.1% YoY
$30.8B
+10.3% YoY
$3.2B
+10.8% YoY
62%
Total Deposits ? $240.6M
-7.3% YoY +2.6% QoQ
-$87.4M $328.0M
+0.1% YoY
$54.8B
+8.5% YoY
$4.8B
+8.2% YoY
43%
Return on Assets ? -1.94%
-73.7% YoY -31.0% QoQ
-3.21% 1.27%
+12.9% YoY
1.41%
+1.8% YoY
1.23%
+13.4% YoY
Bottom 0.8% in tier
Net Interest Margin ? 0.94%
-23.2% YoY -30.3% QoQ
-2.99% 3.93%
+6.0% YoY
4.19%
+0.4% YoY
3.89%
+5.7% YoY
Bottom 0.1% in tier
Efficiency Ratio ? 240.10%
+10.3% YoY +23.3% QoQ
+174.81% 65.29%
-4.5% YoY
64.00%
-0.6% YoY
66.95%
-4.1% YoY
Bottom 0.2% in tier
Delinquency Rate ? 0.81%
+52.8% YoY +37.3% QoQ
-0.08% 0.89%
+18.8% YoY
0.59%
+45.1% YoY
0.95%
+18.8% YoY
33%
Loan-to-Deposit Ratio ? 109.61%
-2.0% YoY -5.6% QoQ
+32.97% 76.64%
+0.8% YoY
71.70%
+0.3% YoY
76.70%
+0.9% YoY
Bottom 3.0% in tier
Non-Interest-Bearing Deposit Share ? 7.79%
-6.4% YoY -1.1% QoQ
-14.23% 22.02%
-1.0% YoY
23.74%
-0.7% YoY
22.01%
-1.2% YoY
Bottom 6.9% in tier
Nonperforming Asset Ratio ? 0.59%
+48.7% YoY +31.6% QoQ
-0.05% 0.64%
+19.7% YoY
0.41%
+39.3% YoY
0.67%
+19.3% YoY
33%
Tier 1 Capital Ratio ? 15.25%
-3.4% YoY -2.1% QoQ
-0.58% 15.83%
+1.5% YoY
15.79%
+0.8% YoY
17.06%
+0.8% YoY
68%
Non-Interest Income / Assets ? 0.07%
+22.2% YoY -74.7% QoQ
-0.21% 0.28%
+9.3% YoY
0.27%
+0.0% YoY
0.32%
+4.1% YoY
32%

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 (5)

Efficiency Drag

risk
#63 of 414 • Bottom 15.0% in tier

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

Why this signature
Efficiency Ratio: 240.10%
(Tier: 65.29%, National: 66.95%)
worse than tier avg
414 of 414 Community banks match · 492 nationally
→ Stable

Deposit Outflow

decline
#77 of 506 • Bottom 15.0% in tier

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

506 of 506 Community banks match · 656 nationally
→ Stable -8 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#121 of 643 • Bottom 18.7% 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: 109.61%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#634 of 1308 • Bottom 48.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.81%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ

Capital Constraint

risk
#82 of 108 • Bottom 75.0% 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: 109.61%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
Tier 1 Capital Ratio: 15.25%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
108 of 108 Community banks match · 148 nationally
↑ Growing +19 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

2663
Net Interest Margin
profitability
Value: 0.94%
Peer Median: 3.93%
#2663 of 2664 Bottom 0.1% in $100M-$1B
2660
Efficiency Ratio
profitability
Value: 240.10%
Peer Median: 65.29%
#2660 of 2664 Bottom 0.2% in $100M-$1B
2645
Return on Assets
profitability
Value: -1.94%
Peer Median: 1.27%
#2645 of 2664 Bottom 0.8% in $100M-$1B
2586
Loan-to-Deposit Ratio
liquidity
Value: 109.61%
Peer Median: 76.64%
#2586 of 2664 Bottom 3.0% in $100M-$1B
2482
Non-Interest-Bearing Deposit Share
funding
Value: 7.79%
Peer Median: 22.02%
#2482 of 2664 Bottom 6.9% in $100M-$1B
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