American Trust&Savings Bank
Lowden, Iowa · FDIC Cert #10120
This is the FDIC profile for American Trust&Savings Bank, an FDIC-insured bank (Certificate #10120) with $31M in total assets and $25M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Lowden, Iowa, the bank maintains a Tier 1 capital ratio of 41.93% (Well-Capitalized) and a nonperforming loan ratio of 10.32%. BankHealthData assigns a composite Health Grade of C (61/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
American Trust&Savings Bank (FDIC cert 10120) is a community bank — $31M in total assets, $25M in deposits, serving the Lowden, Iowa area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 41.93% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality shows stress: non-performing loan ratio of 10.32% is well above the peer median and signals significant credit-quality challenges. Banks in this range typically face heightened regulatory monitoring. Liquidity is very high: 77.9% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is negative: ROA of -0.37% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. American Trust&Savings Bank carries a composite BankHealth grade of C (61/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: American Trust&Savings Bank
- Total Assets
- $31M
- Total Deposits
- $25M
- Tier 1 Capital Ratio
- 41.93%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 10.32%
- Liquidity Ratio
- 77.86%
- Return on Assets
- -0.37%
- Headquarters
- Lowden, Iowa
- FDIC Certificate
- #10120
- Health Grade
- C (61/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
American Trust&Savings Bank files quarterly Call Reports with the FDIC under Certificate #10120. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, American Trust&Savings Bank holds a Tier 1 capital ratio of 41.93%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning American Trust&Savings Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
American Trust&Savings Bank shows average financial health. While not alarming, its Health Score of 61/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How American Trust&Savings Bank Compares
American Trust&Savings Bank’s Health Score of 61 is 18 points below the Iowa state average of 79 across 162 FDIC-insured banks. Its 41.93% Tier 1 capital ratio is 27.9 points above the US banking industry average near 14%. The 10.32% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of -0.37% is below the national ROA benchmark of ~1.1%. Among 282 similarly-sized banks, the average Health Score is 84, meaning this bank ranks below its size cohort. Site-wide, American Trust&Savings Bank is 19 points below the portfolio average of 80.
Frequently Asked Questions
American Trust&Savings Bank has a Bank Health Score of C (61/100), placing it in average financial health. It holds a Tier 1 capital ratio of 41.93%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. American Trust&Savings Bank's Tier 1 capital ratio of 41.93% and nonperforming loan ratio of 10.32% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at American Trust&Savings Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #10120). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
American Trust&Savings Bank holds $31M in total assets and $25M in total deposits. It is headquartered in Lowden, Iowa (FDIC Certificate #10120).
American Trust&Savings Bank's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #10120 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
American Trust&Savings Bank has a Tier 1 capital ratio of 41.93%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 10.32%, and the return on assets is -0.37%.
Yes. American Trust&Savings Bank is FDIC-insured (Certificate #10120). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
American Trust&Savings Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.