BlastPoint's Banking Scorecard
One American Bank
Micro
Specialty: Mortgage
SD
FDIC cert 6078
Designations: ✓ Community bank
Centerville, SD
2498
banks in Micro tier nationally
34 in SD
View Micro leaderboard (SD) →
One American Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 2.56% below tier
- - Net Interest Margin 2.51% below tier
- - Efficiency Ratio 127.04% above tier
- - Loan-to-Deposit Ratio 41.64% above tier
- - Non-Interest-Bearing Deposit Share 14.52% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$356.5M
-11.9% YoY
-3.2% QoQ
|
+$139.1M |
$217.5M
+2.3% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$272.3M
-8.1% YoY
-2.1% QoQ
|
+$133.1M |
$139.2M
+2.8% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
Top 12% in tier |
| Total Deposits ? |
$234.4M
-15.0% YoY
-3.9% QoQ
|
+$50.7M |
$183.7M
+1.8% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
-1.48%
-8.9% QoQ
|
-2.56% |
1.08%
+14.7% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
1.35%
+5.9% YoY
-5.3% QoQ
|
-2.51% |
3.85%
+6.6% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
194.77%
+35.2% YoY
+5.3% QoQ
|
+127.04% |
67.73%
-4.8% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.59%
-20.3% YoY
+13.3% QoQ
|
-0.05% |
0.64%
+24.4% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
116.17%
+8.1% YoY
+1.9% QoQ
|
+41.64% |
74.53%
+0.5% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.87%
+0.8% YoY
+0.0% QoQ
|
-14.52% |
22.39%
-1.3% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
0.45%
-16.8% YoY
+14.6% QoQ
|
0 |
0.45%
+25.1% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
15.58%
-0.8% YoY
-3.2% QoQ
|
+6.73% |
8.85%
-3.4% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.28%
-66.8% YoY
+10.9% QoQ
|
-0.29% |
0.56%
+0.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
36% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Return on Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
-1.48%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.35%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
194.77%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
116.17%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Micro
Why this stands out
Current:
7.87%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Total Loans
Current: $272.3M · Tier avg: $139.2M
81
81th pctile
Total Assets
Current: $356.5M · Tier avg: $217.5M
75
75th pctile
Tier 1 Capital Ratio
Current: 15.58% · Tier avg: 8.85%
67
67th pctile
Total Deposits
Current: $234.4M · Tier avg: $183.7M
42
42th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.64%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.45%
36
36th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.87% · Tier avg: 22.39%
2
2th pctile
Loan-to-Deposit Ratio
Current: 116.17% · Tier avg: 74.53%
2
2th pctile
Return on Assets
Current: -1.48% · Tier avg: 1.08%
1
1th pctile
Net Interest Margin
Current: 1.35% · Tier avg: 3.85%
0
0th pctile
Efficiency Ratio
Current: 194.77% · Tier avg: 67.73%
Top Weaknesses
0
0th pctile
Efficiency Ratio
Current: 194.77% · Tier avg: 67.73%
1
1th pctile
Net Interest Margin
Current: 1.35% · Tier avg: 3.85%
2
2th pctile
Return on Assets
Current: -1.48% · Tier avg: 1.08%
2
2th pctile
Loan-to-Deposit Ratio
Current: 116.17% · Tier avg: 74.53%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.87% · Tier avg: 22.39%
36
36th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.45%
42
42th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.64%
67
67th pctile
Total Deposits
Current: $234.4M · Tier avg: $183.7M
75
75th pctile
Tier 1 Capital Ratio
Current: 15.58% · Tier avg: 8.85%
81
81th pctile
Total Assets
Current: $356.5M · Tier avg: $217.5M
88
88th pctile
Total Loans
Current: $272.3M · Tier avg: $139.2M