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.

The score has been essentially flat from Q2 2025 to Q2 2026 (82 → 83).

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

Yes. American State Bank is an FDIC-insured institution (FDIC certificate #26944). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.0% of deposits ($65.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.11%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

American State Bank lists 4 offices in 3 cities. Most locations:

• Osceola, IA (2)
• Lamoni, IA (1)
• Winterset, IA (1)

All branch addresses and map

In 2025, American State Bank reported 102 home-loan applications under HMDA (LEI 254900A1GT4B0CJ1GH46): 94 originated ($12,140,000 total), 2 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.1%, 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.

Legal name

American State Bank

Type

State-chartered bank (Fed member)

FDIC certificate #

26944

RSSD ID

276645

Primary regulator

FED

Holding company

Osceola Bcorp

Established

April 23, 1987

Headquarters

1000 Jeffreys Dr, Osceola, IA 50213

Website

www.americanstatebank.com

Employees

40