One American Bank


549 Broadway St
Centerville, SD 57014
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 4.45% →
1-Year CD N.A. 5.00% →
2-Year CD N.A. 4.75% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

2023 Overview

General Bank Information

One American Bank is an FDIC insured institution located in Centerville, SD. It was founded in 1883 and has approximately $0.45 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 6078
Date Established 1883
Assets $ 449.14 million
Loans $ 369.73 million
Deposits $ 347.32 million
Capital $ 46.96 million

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

Deposit Rates - February 7, 2023

Your Current Location: Virginia, VA 20146


Loan Rates - February 7, 2023

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for One American Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2023

Lender APR Rate (%) Monthly
Learn More
PenFed Credit Union
NMLS ID: 401822
5.294% 5.250%
0.50 points
$1,250 fees
$1,381 Learn More
NMLS ID: 1907
6.176% 5.990%
1.00 points
$5,000 fees
$1,498 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2023

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
6.740 %
$0 Learn More
More Info

Note to One American Bank
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Financial Details

One American Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of One American 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
One American Bank U.S. Bank Average
0.76% 4.06%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2022, One American Bank had $372,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $46,958,000 in equity and $1,944,000 in loans loss reserves. That gives it a Texas Ratio of 0.76%.

Return on Equity
One American Bank U.S. Bank Average
8.07% 9.98%

One American Bank has a Return on Equity of 8.07% versus the BestCashCow average of 9.98%. 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.

One American Bank U.S. Bank Average
10.45% 10.23%

One American Bank has a Capitalization of 10.45% versus the BestCashCow average of 10.23. 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.

One American Bank Balance Sheet Analysis

As of June 30, 2022, One American Bank had assets of $449,144,000, loans of $369,729,000, and deposits of $347,322,000. 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.

Summary Balance Sheet

June 30, 2022
Cash & Balances due from depository institutions $ 28.30 million
Interest-bearing balances $ 25.06 million
Total securities $ 26.17 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 369.73 million
Loan loss allowance $ 1.94 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 2.40 million
All other assets $ 11.91 million
     Total Assets $ 402.19 million
Total deposits $ 347.32 million
      Interest-bearing deposits $ 325.44 million
      Deposits held in domestic offices $ 347.32 million
      % insured (estimated) 93.77%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 44.68 million
Subordinated debt N.A.
All other liabilities $ 10.18 million
      Total Liabilities $ 402.19 million
      Shareholders’ Equity $ 46.96 million

Summary Income Statement

June 30, 2022
Total Interest Income $ 7.95 million
Total Interest Expense $ 1.19 million
Net interest income $ 6.76 million
Provision for loan and lease losses $ 0.92 million
Total non interest income $ 9.89 million
Total non interest expense $ 13.21 million
Pre-tax Net Operating Income $ 2.52 million

Bank Loan Profile?

The top three loan types in One American Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in South Dakota, One American Bank has a significantly higher percent of 1-4 Family Residential Loans 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 72.26
Credit Card Loans 2.37
Consumer Auto Loans 0.10
Small Business Loans 2.50
Construction and Development Loans 1.45
Commercial Real Estate 5.53
Commercial and Industrial Loans 5.29
Farm Loans 1.56

Customer Reviews for One American Bank

  • February 6, 2021 |

    After purchasing more than 6 homes and going through more than a dozen refinancing processes, I must say that this is the worst company I have ever had the misfortune of dealing with. It took these clowns four months to close my loan. This organization can not figure out from one day to the next what paperwork they will need for a standard business transaction. These clowns are so inept and incompetent that they said I had a short sale of one of my properties. I had to write them a Letter Of Explanation telling them why they were wrong. We had purchased the short sale. When we sold it, it was not a short sale. Complete and utter incompetence at every turn.

    If you value your time and your money, my recommendation would be that you stay away from doing business with One American.

  • December 19, 2019 |

    CDs 12 Month Rates

    very efficient, convenient

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