What is One American Bank's financial health grade?

One American Bank has a TFS Financial Health Grade of F (score: 45.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does One American Bank have?

One American Bank has 3 branch locations across the United States.

Is One American Bank FDIC insured?

Yes, One American Bank is FDIC insured (Certificate #6078).

What are the total assets of One American Bank?

One American Bank has total assets of $356.5M as reported in its most recent FDIC filing.

One American Bank

BankCenterville, South Dakota

www.oneamericanbank.com

Total Assets

$356.5M

Total Deposits

$234.4M

Branches

Established

1883

TFS Health Grade

45.8 / 100

Poor financial health

How we grade

One American Bank is a bank headquartered in Centerville, South Dakota, established in 1883. With $356.5M in total assets and 3 branch locations, it has a TFS Financial Health Grade of F (45.8/100).

Capital & Safety

Tier 1 Capital Ratio

8.08%(8%)

Total Capital Ratio

16.85%(10%)

Non-Performing Loan Ratio

0.58%

Profitability

Return on Assets (ROA)

-1.48%(1%)

Return on Equity (ROE)

-18.40%(10%)

Net Interest Margin

1.35%

Efficiency Ratio

194.77%(60%)

Lending & Liquidity

Total Loans

$277.7M

Loan-to-Deposit Ratio

116.17%

Net Charge-Off Ratio

0.83%

Growth

Asset Growth (YoY)

-11.93%

Deposit Growth (YoY)

-15.00%

Net Income

$-5,625,000

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
One American BankHQ	549 Broadway St	Centerville	SD	11
One American Bank	3310 W 49th St	Sioux Falls	SD	11
One American Bank	515 S Minnesota Ave	Sioux Falls	SD	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.