First American State Bank

141 East Main St
Oldham, SD 57051


General Bank Information

FDIC Insured Yes
FDIC Certificate # 15432
Date Established 1936
Assets $0.10 billion
Loans $0.07 billion
Deposits $0.08 billion
Capital $0.01 billion

First American State Bank is an FDIC insured institution located in Oldham, SD. It was founded in 1936 and has approximately $0.1 billion in assets. Customers can open an account at one of its 7 branches.

For a more detailed analysis of First American State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in First American State Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and Credit Card Loans.

Compared to other banks in South Dakota, First American State Bank has a significantly higher percent of Multifamily Mortgages, Credit Card Loans, Small Business Loans, Construction and Development Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 11.34
Credit Card Loans 27.80
Consumer Auto Loans 0.39
Small Business Loans 30.59
Construction and Development Loans 5.65
Commercial Real Estate 40.83
Commercial and Industrial Loans 13.79
Farm Loans 2.04

Loan Rates

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Financial Details

First American State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First American State Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First American State Bank U.S. Bank Average
4.19% 8.87%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of March 31, 2017, First American State Bank had $772,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $12,638,000 in equity and $5,807,000 in loans loss reserves. That gives it a Texas Ratio of 4.19%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
First American State Bank U.S. Bank Average
3.88% 8.39%

First American State Bank has a Return on Equity of 3.88% versus the BestCashCow average of 8.39%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

First American State Bank U.S. Bank Average
12.82% 11.94%

First American State Bank has a Capitalization of 12.82% versus the BestCashCow average of 11.94%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First American State Bank Balance Sheet Analysis

As of March 31, 2017, First American State Bank had assets of $98,585,000, loans of $65,646,000, and deposits of $84,176,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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