American State Bank

BankArp, Texas
www.asb.com

Total Assets

$672.7M

Total Deposits

$555.8M

Branches

5

Established

1911

TFS Health Grade

$
F

60.0 / 100

Poor financial health

How we grade

American State Bank is a bank headquartered in Arp, Texas, established in 1911. With $672.7M in total assets and 5 branch locations, it has a TFS Financial Health Grade of F (60.0/100).

Capital & Safety

Tier 1 Capital Ratio
10.82%(8%)
Total Capital Ratio
15.63%(10%)
Non-Performing Loan Ratio
3.61%

Profitability

Return on Assets (ROA)
-0.03%(1%)
Return on Equity (ROE)
-0.24%(10%)
Net Interest Margin
2.71%
Efficiency Ratio
97.25%(60%)

Lending & Liquidity

Total Loans
$485.5M
Loan-to-Deposit Ratio
86.08%
Net Charge-Off Ratio
0.19%

Growth

Asset Growth (YoY)
-3.09%
Deposit Growth (YoY)
-3.57%
Net Income
$-184,000

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.

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