One American Bank (FDIC certificate #6078) is based in Centerville, South Dakota. Its Q2 2026 call report shows $285.2M in total assets and $231.5M in deposits and 3 offices.
One American Bank has a TellerScore of 40 out of 100 (below average) based on Q2 2026 data — higher than only 2% of its 2,650 banks with $100 million – $1 billion. Among 56 banks headquartered in South Dakota, it ranks 54th. Problem-loan coverage contributes the most (79/100, 10.6%); earnings contributes the least (0/100, -3.96%).
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 8 points (48 → 40), mostly because the loan quality component weakened by 37 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 41 |
| Q3 2024 | 41 |
| Q4 2024 | 50 |
| Q1 2025 | 47 |
| Q2 2025 | 48 |
| Q3 2025 | 47 |
| Q4 2025 | 46 |
| Q1 2026 | 43 |
| Q2 2026 | 40 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 6.83% |
| Q3 2024 | 6.71% |
| Q4 2024 | 8.29% |
| Q1 2025 | 8.21% |
| Q2 2025 | 8.22% |
| Q3 2025 | 8.24% |
| Q4 2025 | 8.08% |
| Q1 2026 | 7.62% |
| Q2 2026 | 8.35% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.65% |
| Q3 2024 | 0.71% |
| Q4 2024 | 0.72% |
| Q1 2025 | 0.52% |
| Q2 2025 | 0.46% |
| Q3 2025 | 0.51% |
| Q4 2025 | 0.58% |
| Q1 2026 | 0.79% |
| Q2 2026 | 1.56% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.96% |
| Q3 2024 | -1.72% |
| Q4 2024 | -0.02% |
| Q1 2025 | -1.12% |
| Q2 2025 | -1.65% |
| Q3 2025 | -1.36% |
| Q4 2025 | -1.48% |
| Q1 2026 | -1.94% |
| Q2 2026 | -3.96% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 40 | $285.2M | 8.35% | 1.56% | -3.96% | 95.4% |
| Q1 2026 | 43 | $360.3M | 7.62% | 0.79% | -1.94% | 109.6% |
| Q4 2025 | 46 | $356.5M | 8.08% | 0.58% | -1.48% | 116.2% |
| Q3 2025 | 47 | $368.4M | 8.24% | 0.51% | -1.36% | 114.0% |
| Q2 2025 | 48 | $385.1M | 8.22% | 0.46% | -1.65% | 109.2% |
| Q1 2025 | 47 | $385.9M | 8.21% | 0.52% | -1.12% | 111.9% |
| Q4 2024 | 50 | $404.8M | 8.29% | 0.72% | -0.02% | 107.5% |
| Q3 2024 | 41 | $407.5M | 6.71% | 0.71% | -1.72% | 107.7% |
| Q2 2024 | 41 | $410.2M | 6.83% | 0.65% | -1.96% | 109.4% |
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 South Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security Bank MidwestBank Tyndall, SD | 66 out of 100, Moderate | $304.1M | 10.5% | 0.40% | vs |
| Commercial State Bank, of WagnerBank Wagner, SD | 66 out of 100, Moderate | $260.4M | 11.8% | 2.29% | vs |
| Farmers State BankBank Parkston, SD | 76 out of 100, Strong | $254.8M | 10.0% | 0.00% | vs |
| Security National Bank of South DakotaBank Dakota Dunes, SD | 93 out of 100, Very strong | $251.5M | 14.1% | 0.00% | vs |
| Quoin Financial BankBank Miller, SD | 67 out of 100, Moderate | $250.7M | 7.9% | 0.21% | vs |
| Campbell County Bank, Inc.Bank Herreid, SD | 82 out of 100, Strong | $240.7M | 12.9% | 0.58% | vs |
Deposit insurance
Is my money safe at One American Bank?
Yes. One American Bank is an FDIC-insured institution (FDIC certificate #6078). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 10.8% of deposits ($25.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.35%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.69% (benchmark: 10%).
3 locations
Branches
One American Bank lists 3 offices in 2 cities. Most locations:
- Sioux Falls, SD (2)
- Centerville, SD (1)
Identity & history
Profile
- Legal name
- One American Bank
- Former names
- First Midwest Bank; The Bank of Centerville
- Type
- State-chartered bank
- FDIC certificate #
- 6078
- RSSD ID
- 95051
- Primary regulator
- FDIC
- Holding company
- One American Financial Corp
- Established
- January 1, 1883
- Headquarters
- 549 Broadway St, Centerville, SD 57014
- Website
- www.oneamericanbank.com
- Employees
- 38
Quick answers
One American Bank: common questions
Is One American Bank FDIC insured?
Yes. One American Bank is an FDIC-insured institution (FDIC certificate #6078). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is One American Bank's TellerScore?
40 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 One American Bank ever failed?
There is no failure record for FDIC certificate #6078 in the FDIC failed bank list.
How many branches does One American Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Centerville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Merchants State BankBank Freeman, SD | 91 out of 100, Very strong | $219.6M | 17.3% | 0.32% | vs |
| First PREMIER BankBank Sioux Falls, SD | 85 out of 100, Very strong | $3.6B | 13.7% | 0.10% | vs |
| First Savings BankBank Beresford, SD | 83 out of 100, Strong | $1.6B | 19.3% | 0.90% | vs |
| First Dakota National BankBank Yankton, SD | 72 out of 100, Strong | $3.4B | 10.4% | 0.30% | vs |
| American Bank & TrustBank Sioux Falls, SD | 72 out of 100, Strong | $2.2B | 11.3% | 0.57% | vs |
| Farmers State Bank of CantonBank Canton, SD | 70 out of 100, Strong | $81.6M | 8.7% | 0.00% | vs |