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American Trust And Savings Bank
Lowden, IA · FDIC Certificate #10120 · Chartered 10/0
Total assets
$27.84M
Total deposits
$23.19M
Total equity
$3.49M
Net loans
$5.27M
Branches (offices)
1
Net income (YTD)
-$148.00K
Rank: #4,158 of 4,213 U.S. banks by assets · #224 of 225 in Iowa. Assets changed -16.2% and deposits -18.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -1.02% |
| Return on equity | -8.24% |
| Net interest margin (YTD) | 1.59% |
| Equity to assets | 12.55% |
| Tier 1 leverage ratio | 15.65% |
| Uninsured deposits (share of deposits) | 17.6% |
| Noncurrent loans (share of loans) | 30.07% |
| Net charge-offs (share of loans) | -0.07% |
| Loans to deposits | 22.7% |
| Real estate loans (share of loans) | 13.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $709.00K | 13.5% | |
| Commercial & industrial | $1.43M | 27.2% | |
| Consumer / individual | $790.00K | 15.0% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $2.74M | 52.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $36.65M | $31.77M | -$7.00K | $3.96M |
| Jun 2023 | $33.53M | $29.25M | -$60.00K | $3.30M |
| Jun 2024 | $31.07M | $25.35M | -$60.00K | $3.15M |
| Jun 2025 | $33.24M | $28.59M | -$27.00K | $3.54M |
| Jun 2026 | $27.84M | $23.19M | -$148.00K | $3.49M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $23.19M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $23.19M.
Similar-sized banks
Milford Building And Loan Association ($28.09M) · The Philadelphia Trust Company ($27.69M)
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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