American Trust and Savings Bank: how it compares with its peers
Against 14 IA banks with half to twice its assets, American Trust and Savings Bank's strongest measure in Q2 2026 is assets per employee ($7.0M vs. a $6.6M peer median). Its weakest relative measure is net interest margin (1.59% vs. 3.74%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -1.02% | 1.00% | Bottom third Ahead of 7% of peers |
| Net interest margin Annualized net interest income over earning assets. | 1.59% | 3.74% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 164.63% | 64.51% | Bottom third Ahead of 7% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $6.6M | Middle third Ahead of 54% of peers |
| Loans to deposits Net loans and leases over total deposits. | 22.71% | 59.75% | Context |
What it means for lending operations
Its efficiency ratio of 164.63% is above the 64.51% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Maxwell State Bank Maxwell, IA · $32M
- The First National Bank of Primghar Primghar, IA · $36M
- Farmers State Bank Lake View, IA · $37M
- Dysart State Bank Dysart, IA · $17M
- State Bank of Schaller Schaller, IA · $41M
- Community State Bank Paton, IA · $41M
Questions about American Trust and Savings Bank
How big is American Trust and Savings Bank?
American Trust and Savings Bank, established in 1913, is headquartered in Lowden, IA. It reported $28M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is American Trust and Savings Bank's return on assets?
-1.02% annualized in Q2 2026, against a 1.00% median for 14 IA banks with half to twice its assets, ahead of 7% of them.
What is American Trust and Savings Bank's efficiency ratio?
164.63% in Q2 2026: it spent about 165 cents in noninterest expense for each dollar of revenue. The peer median is 64.51%, and lower is better.
Is American Trust and Savings Bank growing its loans?
Net loans shrank 6.1% over the year to Q2 2026, while deposits shrank 18.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Iowa bank ranked.