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American State Bank
Osceola, IA · FDIC Certificate #26944 · Chartered 04/2
Total assets
$360.81M
Total deposits
$282.83M
Total equity
$35.91M
Net loans
$246.21M
Branches (offices)
4
Net income (YTD)
$3.86M
Rank: #2,197 of 4,213 U.S. banks by assets · #88 of 225 in Iowa. Assets changed 9.3% and deposits 9.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.18% |
| Return on equity | 22.08% |
| Net interest margin (YTD) | 4.17% |
| Equity to assets | 9.95% |
| Tier 1 leverage ratio | 11.11% |
| Uninsured deposits (share of deposits) | 23.0% |
| Noncurrent loans (share of loans) | 0.04% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 87.1% |
| Real estate loans (share of loans) | 64.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $159.53M | 64.8% | |
| Commercial & industrial | $31.44M | 12.8% | |
| Consumer / individual | $12.67M | 5.1% | |
| Construction & development | $5.79M | 2.3% | |
| Agricultural | $43.68M | 17.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $288.96M | $235.87M | $2.21M | $20.38M |
| Jun 2023 | $303.91M | $248.22M | $2.71M | $23.84M |
| Jun 2024 | $317.27M | $241.15M | $2.76M | $26.89M |
| Jun 2025 | $330.16M | $259.49M | $3.34M | $30.60M |
| Jun 2026 | $360.81M | $282.83M | $3.86M | $35.91M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $282.83M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $282.83M.
Similar-sized banks
Heritage Bank National Association ($361.06M) · Roxboro Savings Bank, SSB ($360.68M)
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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