American State Bank
Osceola, IA
IDRSSD: 276645
Total Assets
$336.17M
Latest filing
Total Deposits
$260.72M
Latest filing
Net Interest Margin
4.19%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
American State Bank
1000 Jeffreys Dr
Osceola, IA 50213
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/23/1987FDIC Certificate 36344
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| American State Bank (Main) | 1000 Jeffreys Dr | Osceola, IA |
| LAMONI BRANCH | 801 E Main St | Lamoni, IA |
| OSCEOLA BRANCH | 101 N Main St | Osceola, IA |
| SOUTH JOHN WAYNE DRIVE BRANCH | 809 N John Wayne Dr | Winterset, IA |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 04/23/1987 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50213 |
| State and County Number | 19039 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 37 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 04/23/1987 |
| Primary Insurance Agency | DIF |
| Website | www.americanstatebank.com |
| Data Updated | 11/14/2025 |
| CERT | 26944 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $336.17M |
| Total Deposits | $260.72M |
| Total Liabilities | $303.03M |
| Total Equity Capital | $33.14M |
| Net Income | $1.69M |
| Net Loans and Leases | $233.97M |
| Assets Per Employee ($Millions) | $9.34M |
| Bank Premises and Fixed Assets | $3.02M |
| Cash and Balances due from Depository Institutions | $13.48M |
| Deposits Held in Domestic Offices | $260.72M |
Key Performance Ratios
| Return on Assets (ROA) | 2.03% |
| Return on Equity (ROE) | 21.17% |
| Net Interest Margin | 4.19% |
| Efficiency Ratio | 53.43% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.857% |
| Earning Assets to total Assets | 93.52% |
Income and Expense
| Total Interest Income | $4.84M |
| Total Noninterest Income | $656.00k |
| Total Interest Expense | $1.60M |
| Total Noninterest Expense | $2.08M |
| Net Interest Income | $3.25M |
| Pre-tax Net Operating Income | $1.76M |
| Provision for Credit Losses | $60.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $128.00k |
| Other borrowed funds | $36.36M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $2.77M |
| All Other Liabilities | $3.18M |
| Total Liabilities and Capital | $336.17M |
Securities
| Securities | $72.20M |
| Available-for-sale debt securities | $72.20M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of American State Bank?
$336.17M as of the latest filing.
How much are American State Bank's total deposits?
$260.72M in total deposits.
Where is American State Bank located?
Osceola, IA.
What is the Net Interest Margin?
4.19%.
How many domestic offices does it operate?
4.
When was it established?
04/23/1987.
What is the Return on Assets (ROA)?
2.03%.
How much are total loans and leases?
$233.97M (latest filing).
What is the total interest income (latest filing)?
$4.84M.