One American Bank: how it compares with its peers
Against 20 SD banks with half to twice its assets, One American Bank's strongest measure in Q2 2026 is assets per employee ($7.5M vs. a $8.6M peer median). Its weakest relative measure is return on assets (-3.96% vs. 1.78%).
| Measure | One American Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -3.96% | 1.78% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 1.12% | 3.88% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 121.66% | 52.90% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.5M | $8.6M | Middle third Ahead of 45% of peers |
| Loans to deposits Net loans and leases over total deposits. | 95.40% | 85.67% | Context |
What it means for lending operations
Its efficiency ratio of 121.66% is above the 52.90% 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
- Security Bank Midwest Tyndall, SD · $304M
- Commercial State Bank, of Wagner Wagner, SD · $260M
- Farmers State Bank Parkston, SD · $255M
- Security National Bank of South Dakota Dakota Dunes, SD · $251M
- Quoin Financial Bank Miller, SD · $251M
- Campbell County Bank, Inc. Herreid, SD · $241M
Questions about One American Bank
How big is One American Bank?
One American Bank, established in 1883, is headquartered in Centerville, SD. It reported $285M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is One American Bank's return on assets?
-3.96% annualized in Q2 2026, against a 1.78% median for 20 SD banks with half to twice its assets, ahead of 0% of them.
What is One American Bank's efficiency ratio?
121.66% in Q2 2026: it spent about 122 cents in noninterest expense for each dollar of revenue. The peer median is 52.90%, and lower is better.
Is One American Bank growing its loans?
Net loans shrank 22.1% over the year to Q2 2026, while deposits shrank 10.8%.
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 SD 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 South Dakota bank ranked.