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American State Bank
Arp, TX · FDIC Certificate #9967 · Chartered 08/0
Total assets
$637.82M
Total deposits
$535.51M
Total equity
$76.97M
Net loans
$452.05M
Branches (offices)
5
Net income (YTD)
$263.00K
Rank: #1,485 of 4,213 U.S. banks by assets · #136 of 346 in Texas. Assets changed -3.6% and deposits -1.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.08% |
| Return on equity | 0.69% |
| Net interest margin (YTD) | 2.85% |
| Equity to assets | 12.07% |
| Tier 1 leverage ratio | 10.91% |
| Uninsured deposits (share of deposits) | 34.9% |
| Noncurrent loans (share of loans) | 2.03% |
| Net charge-offs (share of loans) | 0.92% |
| Loans to deposits | 84.4% |
| Real estate loans (share of loans) | 93.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $424.11M | 93.8% | |
| Commercial & industrial | $28.96M | 6.4% | |
| Consumer / individual | $5.20M | 1.2% | |
| Construction & development | $42.71M | 9.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $758.30M | $645.61M | $2.20M | $60.52M |
| Jun 2023 | $1.02B | $907.87M | $2.31M | $79.57M |
| Jun 2024 | $917.67M | $797.90M | -$2.71M | $77.80M |
| Jun 2025 | $661.68M | $545.17M | -$79.00K | $76.43M |
| Jun 2026 | $637.82M | $535.51M | $263.00K | $76.97M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $535.51M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $535.51M.
Similar-sized banks
Oneunited Bank ($637.94M) · Haverhill Bank ($636.84M)
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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