American State Bank: how it compares with its peers
Against 129 TX banks with half to twice its assets, American State Bank's strongest measure in Q2 2026 is assets per employee ($9.5M vs. a $7.7M peer median). Its weakest relative measure is return on assets (0.08% vs. 1.43%).
| Measure | American State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.08% | 1.43% | Bottom third Ahead of 2% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.85% | 4.20% | Bottom third Ahead of 5% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 90.55% | 60.89% | Bottom third Ahead of 4% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.5M | $7.7M | Top third Ahead of 71% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.41% | 76.93% | Context |
What it means for lending operations
Its efficiency ratio of 90.55% is above the 60.89% 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
- The State National Bank of Big Spring Big Spring, TX · $640M
- Dominion Bank Dallas, TX · $647M
- Community Bank & Trust, Waco, Texas Waco, TX · $649M
- American Bank, National Association Waco, TX · $625M
- Worthington Bank Arlington, TX · $655M
- NBT Financial Bank Fort Worth, TX · $619M
Questions about American State Bank
How big is American State Bank?
American State Bank, established in 1911, is headquartered in Arp, TX. It reported $638M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is American State Bank's return on assets?
0.08% annualized in Q2 2026, against a 1.43% median for 129 TX banks with half to twice its assets, ahead of 2% of them.
What is American State Bank's efficiency ratio?
90.55% in Q2 2026: it spent about 91 cents in noninterest expense for each dollar of revenue. The peer median is 60.89%, and lower is better.
Is American State Bank growing its loans?
Net loans shrank 7.5% over the year to Q2 2026, while deposits shrank 1.8%.
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 TX 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 Texas bank ranked.