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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Arp, TX · FDIC certificate #9967 · RSSD 262358
AMERICAN STATE BANK is an FDIC-insured institution based in Arp, TX (FDIC certificate #9967). In its Q3 2026 Call Report it reported total assets of $631M, total deposits of $528M and net loans of $420M. Its primary federal regulator is FED. Its current parent is STEELE BANCSHARES, INC..
Plain-language readout
AMERICAN STATE BANK is compared with 758 verified institutions in its asset cohort for Q3 2026. A percentile of 50 means the bank sits at the cohort median; higher means a larger value than most peers, which is better or worse depending on the metric.
Efficiency ratio (official UBPR): AMERICAN STATE BANK reported 1.129, in the 99.5th percentile of 758 peers, where the median is 0.622. Net interest margin (official UBPR): AMERICAN STATE BANK reported 0.034, in the 60.6th percentile of 758 peers, where the median is 0.032. Interest Income (TE) as a percent of Average Assets: AMERICAN STATE BANK reported 0.056, in the 89.4th percentile of 758 peers, where the median is 0.044. Interest Expense as a percent of Average Assets: AMERICAN STATE BANK reported 0.026, in the 95.1th percentile of 758 peers, where the median is 0.013. Net Interest Income (TE) % of Avg Assets: AMERICAN STATE BANK reported 0.031, in the 48.7th percentile of 758 peers, where the median is 0.031. Noninterest Income as a percent of Average Assets: AMERICAN STATE BANK reported 0.002, in the 9.1th percentile of 758 peers, where the median is 0.006. Non-Interest Expense as a percent of Average Assets: AMERICAN STATE BANK reported 0.037, in the 92.2th percentile of 758 peers, where the median is 0.023. Provision for Loan Losses % of Avg Assets: AMERICAN STATE BANK reported -0.007, in the 0.1th percentile of 758 peers, where the median is 0.001. Pretax Operating Income (TE) % of Avg Assets: AMERICAN STATE BANK reported 0.005, in the 8.5th percentile of 758 peers, where the median is 0.013. Realized Gains(Losses) on the sale of Securities as a percent of Average Assets: AMERICAN STATE BANK reported 0.000, in the 20.1th percentile of 758 peers, where the median is 0.000. Pretax Net Operating Income (TE) as a percent of Average Assets: AMERICAN STATE BANK reported 0.005, in the 9.2th percentile of 758 peers, where the median is 0.013. Net Operating Income as a percent of Average Assets: AMERICAN STATE BANK reported 0.004, in the 8.9th percentile of 758 peers, where the median is 0.010. Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets: AMERICAN STATE BANK reported 0.004, in the 9.0th percentile of 758 peers, where the median is 0.010. Average Earning Assets as a percent of Average Assets: AMERICAN STATE BANK reported 0.895, in the 3.7th percentile of 758 peers, where the median is 0.953. Average Interest-Bearing Funds as a percent of Average Assets: AMERICAN STATE BANK reported 0.733, in the 56.5th percentile of 758 peers, where the median is 0.712. Interest Income (TE) as a percent of Average Earning Assets: AMERICAN STATE BANK reported 0.063, in the 91.9th percentile of 758 peers, where the median is 0.047. Net Interest Income (TE) as a percent of Average Earning Assets: AMERICAN STATE BANK reported 0.034, in the 59.0th percentile of 758 peers, where the median is 0.033. Net Loss as a percent of Average Total Loans and Leases: AMERICAN STATE BANK reported 0.000, in the 57.7th percentile of 750 peers, where the median is 0.000. Total LN&LS-30-89 DAYS Past Due %: AMERICAN STATE BANK reported 0.001, in the 24.2th percentile of 750 peers, where the median is 0.002. Net Loans & Leases as a percent of Total Deposits: AMERICAN STATE BANK reported 0.882, in the 58.2th percentile of 753 peers, where the median is 0.848. Net Income Attributed to Minority Interests as a percent of Average Assets: AMERICAN STATE BANK reported 0.000, in the 0.4th percentile of 758 peers, where the median is 0.000. Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets: AMERICAN STATE BANK reported 0.000, in the 3.7th percentile of 758 peers, where the median is 0.000. Provision for Losses Other Assets % of Avg Assets: AMERICAN STATE BANK reported -0.003, in the 0.0th percentile of 723 peers, where the median is 0.000. Pre Provision Net Revenue YTD % of Average Assets (TE): AMERICAN STATE BANK reported -0.004, in the 0.7th percentile of 758 peers, where the median is 0.014. Return on assets (official UBPR): AMERICAN STATE BANK reported 0.004, in the 9.0th percentile of 758 peers, where the median is 0.010. Return on equity (official UBPR): AMERICAN STATE BANK reported 0.058, in the 14.2th percentile of 757 peers, where the median is 0.118.
Peer history below covers 7 quarters of AMERICAN STATE BANK's reported assets, deposits, net loans, ROA, ROE and NIM, most recently Q3 2026.
| Metric | Bank value | Peer median | Percentile | Peers |
|---|---|---|---|---|
| Efficiency ratio (official UBPR) | 1.129 | 0.622 | 99.5th | 758 |
| Net interest margin (official UBPR) | 0.034 | 0.032 | 60.6th | 758 |
| Interest Income (TE) as a percent of Average Assets | 0.056 | 0.044 | 89.4th | 758 |
| Interest Expense as a percent of Average Assets | 0.026 | 0.013 | 95.1th | 758 |
| Net Interest Income (TE) % of Avg Assets | 0.031 | 0.031 | 48.7th | 758 |
| Noninterest Income as a percent of Average Assets | 0.002 | 0.006 | 9.1th | 758 |
| Non-Interest Expense as a percent of Average Assets | 0.037 | 0.023 | 92.2th | 758 |
| Provision for Loan Losses % of Avg Assets | -0.007 | 0.001 | 0.1th | 758 |
| Pretax Operating Income (TE) % of Avg Assets | 0.005 | 0.013 | 8.5th | 758 |
| Realized Gains(Losses) on the sale of Securities as a percent of Average Assets | 0.000 | 0.000 | 20.1th | 758 |
| Pretax Net Operating Income (TE) as a percent of Average Assets | 0.005 | 0.013 | 9.2th | 758 |
| Net Operating Income as a percent of Average Assets | 0.004 | 0.010 | 8.9th | 758 |
| Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets | 0.004 | 0.010 | 9.0th | 758 |
| Average Earning Assets as a percent of Average Assets | 0.895 | 0.953 | 3.7th | 758 |
| Average Interest-Bearing Funds as a percent of Average Assets | 0.733 | 0.712 | 56.5th | 758 |
| Interest Income (TE) as a percent of Average Earning Assets | 0.063 | 0.047 | 91.9th | 758 |
| Net Interest Income (TE) as a percent of Average Earning Assets | 0.034 | 0.033 | 59.0th | 758 |
| Net Loss as a percent of Average Total Loans and Leases | 0.000 | 0.000 | 57.7th | 750 |
| Total LN&LS-30-89 DAYS Past Due % | 0.001 | 0.002 | 24.2th | 750 |
| Net Loans & Leases as a percent of Total Deposits | 0.882 | 0.848 | 58.2th | 753 |
| Net Income Attributed to Minority Interests as a percent of Average Assets | 0.000 | 0.000 | 0.4th | 758 |
| Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets | 0.000 | 0.000 | 3.7th | 758 |
| Provision for Losses Other Assets % of Avg Assets | -0.003 | 0.000 | 0.0th | 723 |
| Pre Provision Net Revenue YTD % of Average Assets (TE) | -0.004 | 0.014 | 0.7th | 758 |
| Return on assets (official UBPR) | 0.004 | 0.010 | 9.0th | 758 |
| Return on equity (official UBPR) | 0.058 | 0.118 | 14.2th | 757 |
Peer interpretation
Under $1B asset cohort · 3148 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Period-matched peer context
Percentiles use 758 verified constituents for the same filing period.
Historical peer positioning
Period-matched asset cohort. Position describes the distribution only; it is not a rating.
| Metric | 2022-09 | 2022-12 | 2023-03 | 2023-06 | 2026-03 | 2026-06 | 2026-09 |
|---|---|---|---|---|---|---|---|
| Total assetsASSET | < P25 | < P25 | < P25 | < P25 | — | — | — |
| Total depositsDEP | < P25 | < P25 | < P25 | < P25 | — | — | — |
| Net loansLNLSNET | < P25 | P25–75 | P25–75 | < P25 | — | — | — |
| Return on assetsROA | < P25 | < P25 | < P25 | < P25 | — | — | — |
| Return on equityROE | < P25 | < P25 | < P25 | < P25 | — | — | — |
| Net interest marginNIMY | > P75 | > P75 | P25–75 | P25–75 | — | — | — |
Cohorts are matched separately for each reporting period. Above or below a peer quartile can be favorable, unfavorable, or neutral depending on the measure and context.