Headquartered in Sioux Center, Iowa, American State Bank is a state-chartered bank with $1.4B in total assets and $1.2B in deposits as of Q2 2026. It operates 11 offices across 2 states. Its charter dates back to 1913.
Based on its Q2 2026 filing, American State Bank scores 66/100, which we describe as moderate. That is higher than only 40% of 897 banks with $1 billion – $10 billion. Among 226 banks headquartered in Iowa, it ranks 163rd. Its strongest component is problem-loan coverage (90/100; 4.9%), and its lowest is funding & liquidity (24/100; 110% loans-to-deposits, 39% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 17 points (49 → 66), mostly because the loan quality component improved by 38 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 51 |
| Q3 2024 | 52 |
| Q4 2024 | 49 |
| Q1 2025 | 46 |
| Q2 2025 | 49 |
| Q3 2025 | 53 |
| Q4 2025 | 60 |
| Q1 2026 | 61 |
| Q2 2026 | 66 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.94% |
| Q3 2024 | 10.05% |
| Q4 2024 | 9.94% |
| Q1 2025 | 10.08% |
| Q2 2025 | 10.08% |
| Q3 2025 | 10.13% |
| Q4 2025 | 10.24% |
| Q1 2026 | 10.63% |
| Q2 2026 | 10.81% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.59% |
| Q3 2024 | 1.53% |
| Q4 2024 | 1.74% |
| Q1 2025 | 2.04% |
| Q2 2025 | 1.80% |
| Q3 2025 | 1.47% |
| Q4 2025 | 0.90% |
| Q1 2026 | 0.95% |
| Q2 2026 | 0.65% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.21% |
| Q3 2024 | 1.15% |
| Q4 2024 | 1.09% |
| Q1 2025 | 1.12% |
| Q2 2025 | 1.18% |
| Q3 2025 | 1.20% |
| Q4 2025 | 1.20% |
| Q1 2026 | 1.37% |
| Q2 2026 | 1.51% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $1.4B | 10.81% | 0.65% | 1.51% | 109.7% |
| Q1 2026 | 61 | $1.5B | 10.63% | 0.95% | 1.37% | 108.1% |
| Q4 2025 | 60 | $1.5B | 10.24% | 0.90% | 1.20% | 103.2% |
| Q3 2025 | 53 | $1.5B | 10.13% | 1.47% | 1.20% | 111.7% |
| Q2 2025 | 49 | $1.5B | 10.08% | 1.80% | 1.18% | 109.1% |
| Q1 2025 | 46 | $1.5B | 10.08% | 2.04% | 1.12% | 110.3% |
| Q4 2024 | 49 | $1.5B | 9.94% | 1.74% | 1.09% | 104.9% |
| Q3 2024 | 52 | $1.5B | 10.05% | 1.53% | 1.15% | 108.3% |
| Q2 2024 | 51 | $1.4B | 9.94% | 1.59% | 1.21% | 115.3% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank MidwestBank Spirit Lake, IA | 69 out of 100, Moderate | $1.3B | 10.2% | 0.42% | vs |
| Capra BankBank Dubuque, IA | 68 out of 100, Moderate | $1.3B | 8.9% | 0.00% | vs |
| Farmers State BankBank Waterloo, IA | 72 out of 100, Strong | $1.6B | 11.2% | 0.01% | vs |
| Iowa State BankBank Hull, IA | 78 out of 100, Strong | $1.3B | 11.7% | 0.06% | vs |
| Peoples BankBank Rock Valley, IA | 69 out of 100, Moderate | $1.3B | 10.7% | 0.85% | vs |
| Pilot Grove Savings BankBank Pilot Grove, IA | 74 out of 100, Strong | $1.2B | 8.8% | 0.13% | vs |
Deposit insurance
Is my money safe at American State Bank?
Yes. American State Bank is an FDIC-insured institution (FDIC certificate #228). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 38.7% of deposits ($470.9M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.81%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.03% (benchmark: 10%).
11 locations
Branches
American State Bank lists 10 offices in 8 cities across 2 states. Most locations:
- Sioux Center, IA (3)
- Alton, IA (1)
- Alvord, IA (1)
- Granville, IA (1)
- Hospers, IA (1)
- Hull, IA (1)
- Orange City, IA (1)
- Sioux Falls, SD (1)
HMDA 2025
Mortgage lending
In 2025, American State Bank reported 345 home-loan applications under HMDA (LEI 549300BNZVNK1XN85P72): 282 originated ($84,750,000 total), 15 denied, and 25 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- American State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 228
- RSSD ID
- 735441
- Primary regulator
- FDIC
- Holding company
- Ambank Co Inc
- Established
- September 1, 1913
- Headquarters
- 525 N Main Ave, Sioux Center, IA 51250
- Website
- www.ambankiowa.com
- Employees
- 130
Quick answers
American State Bank: common questions
Is American State Bank FDIC insured?
Yes. American State Bank is an FDIC-insured institution (FDIC certificate #228). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is American State Bank's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has American State Bank ever failed?
There is no failure record for FDIC certificate #228 in the FDIC failed bank list.
How many branches does American State Bank have?
11 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Sioux Center
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Farmers State BankBank Marcus, IA | 88 out of 100, Very strong | $77.2M | 13.2% | 0.51% | vs |
| Citizens State BankBank Sheldon, IA | 87 out of 100, Very strong | $194.7M | 12.5% | 0.00% | vs |
| Ashton State BankBank Ashton, IA | 84 out of 100, Strong | $54.5M | 14.7% | 0.88% | vs |
| The Security National Bank of Sioux City, IowaBank Sioux City, IA | 81 out of 100, Strong | $1.7B | 12.8% | 0.26% | vs |
| Iowa State BankBank Hull, IA | 78 out of 100, Strong | $1.3B | 11.7% | 0.06% | vs |
| American Bank, National AssociationBank Le Mars, IA | 78 out of 100, Strong | $533.0M | 10.7% | 0.00% | vs |