Headquartered in Arp, Texas, American State Bank is a state-chartered bank (fed member) with $637.8M in total assets and $535.5M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1911.
American State Bank has a TellerScore of 44 out of 100 (below average) based on Q2 2026 data — higher than only 4% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 337th. Capital cushion contributes the most (59/100, 10.91%); earnings contributes the least (23/100, 0.08%).
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 fell 7 points (51 → 44), mostly because the loan quality component weakened by 25 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 45 |
| Q3 2024 | 42 |
| Q4 2024 | 44 |
| Q1 2025 | 51 |
| Q2 2025 | 51 |
| Q3 2025 | 51 |
| Q4 2025 | 34 |
| Q1 2026 | 30 |
| Q2 2026 | 44 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.70% |
| Q3 2024 | 7.82% |
| Q4 2024 | 8.83% |
| Q1 2025 | 10.28% |
| Q2 2025 | 10.54% |
| Q3 2025 | 10.62% |
| Q4 2025 | 10.36% |
| Q1 2026 | 10.38% |
| Q2 2026 | 10.91% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.77% |
| Q3 2024 | 1.02% |
| Q4 2024 | 1.04% |
| Q1 2025 | 1.01% |
| Q2 2025 | 1.29% |
| Q3 2025 | 1.25% |
| Q4 2025 | 3.61% |
| Q1 2026 | 3.31% |
| Q2 2026 | 2.03% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.58% |
| Q3 2024 | -0.48% |
| Q4 2024 | -0.51% |
| Q1 2025 | -0.36% |
| Q2 2025 | -0.02% |
| Q3 2025 | -0.07% |
| Q4 2025 | -0.03% |
| Q1 2026 | -0.19% |
| Q2 2026 | 0.08% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 44 | $637.8M | 10.91% | 2.03% | 0.08% | 84.4% |
| Q1 2026 | 30 | $652.8M | 10.38% | 3.31% | -0.19% | 81.1% |
| Q4 2025 | 34 | $672.7M | 10.36% | 3.61% | -0.03% | 86.1% |
| Q3 2025 | 51 | $674.0M | 10.62% | 1.25% | -0.07% | 88.2% |
| Q2 2025 | 51 | $661.7M | 10.54% | 1.29% | -0.02% | 89.7% |
| Q1 2025 | 51 | $688.5M | 10.28% | 1.01% | -0.36% | 89.9% |
| Q4 2024 | 44 | $694.1M | 8.83% | 1.04% | -0.51% | 88.9% |
| Q3 2024 | 42 | $921.2M | 7.82% | 1.02% | -0.48% | 85.3% |
| Q2 2024 | 45 | $917.7M | 7.70% | 0.77% | -0.58% | 86.4% |
2,650 peers · $100 million – $1 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 Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The State National Bank of Big SpringBank Big Spring, TX | 67 out of 100, Moderate | $640.0M | 11.2% | 1.63% | vs |
| Dominion BankBank Dallas, TX | 62 out of 100, Moderate | $647.4M | 11.2% | 0.73% | vs |
| Community Bank & Trust, Waco, TexasBank Waco, TX | 90 out of 100, Very strong | $649.1M | 15.5% | 0.21% | vs |
| American Bank, National AssociationBank Waco, TX | 77 out of 100, Strong | $625.2M | 10.9% | 0.01% | vs |
| Worthington BankBank Arlington, TX | 67 out of 100, Moderate | $655.4M | 9.3% | 0.16% | vs |
| NBT Financial BankBank Fort Worth, TX | 50 out of 100, Below average | $618.7M | 10.9% | 2.29% | vs |
Deposit insurance
Is my money safe at American State Bank?
Yes. American State Bank is an FDIC-insured institution (FDIC certificate #9967). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 34.9% of deposits ($186.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.91%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.59% (benchmark: 10%).
5 locations
Branches
American State Bank lists 5 offices in 3 cities. Most locations:
- Tyler, TX (3)
- Arp, TX (1)
- Lindale, TX (1)
Identity & history
Profile
- Legal name
- American State Bank
- Former names
- Arp State Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 9967
- RSSD ID
- 262358
- Primary regulator
- FED
- Holding company
- Steele Bancshares Inc
- Established
- August 1, 1911
- Headquarters
- 102 W Front, Arp, TX 75750
- Website
- www.asb.com
- Employees
- 67
Quick answers
American State Bank: common questions
Is American State Bank FDIC insured?
Yes. American State Bank is an FDIC-insured institution (FDIC certificate #9967). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is American State Bank's TellerScore?
44 out of 100 (Below average), 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 #9967 in the FDIC failed bank list.
How many branches does American State Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Arp
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sweetex Credit UnionCredit union Longview, TX | 94 out of 100, Very strong | $9.4M | 39.4% | 0.00% | vs |
| Eastman Credit UnionCredit union Kingsport, TN | 91 out of 100, Very strong | $10.2B | 14.9% | 0.31% | vs |
| East Texas Professional Credit UnionCredit union Longview, TX | 90 out of 100, Very strong | $1.4B | 19.4% | 0.41% | vs |
| Austin Bank, Texas National AssociationBank Jacksonville, TX | 88 out of 100, Very strong | $3.3B | 15.1% | 0.60% | vs |
| Citizens 1st BankBank Tyler, TX | 83 out of 100, Strong | $811.0M | 20.5% | 0.53% | vs |
| Community BankBank Longview, TX | 82 out of 100, Strong | $315.5M | 11.9% | 0.00% | vs |