American State Bank (FDIC #228): Bank Stress & Real-Estate Credit Exposure
American State Bank (FDIC Cert #228): bank stress 57/100, moderate, STABLE over 7 days; parent AMBANK CO INC.
American State Bank (#228) lends in 3 counties across 2 states; American State Bank (#228) reaches 37 ZIP codes: Iowa 2 counties, 26 ZIPs; South Dakota 1 county, 12 ZIPs.
American State Bank (#228) largest markets: Sioux County, IA (171 branches, 19 ZIPs) (#228), Lyon County, IA (12 branches, 12 ZIPs) (#228), Lincoln County, SD (12 branches, 12 ZIPs) (#228).
American State Bank (#228) reports $1.45 billion in total assets; American State Bank (#228) equity $159.2 million (11.0% of American State Bank (#228) assets); American State Bank (#228) domestic deposits $1.22 billion; American State Bank (#228) net income $11.1 million; American State Bank (#228) return on assets 1.51%; American State Bank (#228) return on equity 14.04%; American State Bank (#228) net interest income $24.6 million; American State Bank (#228) call report June 30, 2026.
American State Bank (#228) noncurrent real-estate loans: none reported; American State Bank (#228) residential -0.03%; American State Bank (#228) net charge-offs on real estate 0.74%; American State Bank (#228) residential charge-offs 0.71%.
American State Bank (#228) net interest margin 3.49% against an eight-quarter American State Bank (#228) average of 3.01% (American State Bank (#228) compression -0.48 points); American State Bank (#228) non-residential real estate 70.8% of equity; American State Bank (#228) rate-exposure score 40/100, American State Bank (#228) fixed-rate trap 40/100; American State Bank (#228) risk type credit driven; American State Bank (#228) rate regime rates elevated, American State Bank (#228) snapshot October 19, 2026.
American State Bank (#228) stress score moved from 59 on June 22, 2026 to 56.9 on October 19, 2026; American State Bank (#228) ranged 56.9 to 59 over 116 snapshots.
American State Bank (#228) alerts: 3 counties; top American State Bank (#228) alert scores: Alvord County, IA 20 (low); Sioux Center County, IA 20 (low); Sioux Falls County, IA 20 (low).