AMERICAN STATE BANK

AMERICAN STATE BANK in Arp, TX funds its loans with $528M of deposits and holds $420M of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.

No capital, liquidity or asset-quality ratios are reported for AMERICAN STATE BANK in Q3 2026; none is estimated.

Against banks of similar size for the same filing period: Efficiency ratio (official UBPR): 1.129 against a peer median of 0.622, a 99.5th percentile position among 758 peers. Net interest margin (official UBPR): 0.034 against a peer median of 0.032, a 60.6th percentile position among 758 peers. Interest Income (TE) as a percent of Average Assets: 0.056 against a peer median of 0.044, a 89.4th percentile position among 758 peers. Interest Expense as a percent of Average Assets: 0.026 against a peer median of 0.013, a 95.1th percentile position among 758 peers.

The loan-to-deposit ratio computed from net loans and total deposits was 79.62% in Q3 2026, against 100.63% in Q3 2022. A rising ratio means the bank is lending a larger share of its deposits.