# ONE AMERICAN BANK
CENTERVILLE, SD · FDIC certificate 6078 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $285.2M | |
| Deposits | $231.5M | |
| Loans and leases | $225.8M | |
| Total equity | $28.3M | |
| Loans / deposits | 95.40% (p87 of band) | 73.59% |
| Liquid assets / assets | 18.88% (p19 of band) | |
| Uninsured deposits / deposits | 10.84% (p17 of band) | 19.81% |
| Brokered deposits | 0.28% | |
| Wholesale funding | 8.35% (p82 of band) | |
| FHLB advances / assets | 6.22% | |
| Tier 1 leverage | 8.35% (p5 of band) | 11.76% |
| Unrealized securities loss / equity | -4.42% (p59 of band) | -6.57% |
| AOCI / equity | -0.12% (p63 of band) | |
| ROA (annualized) | -3.96% (p1 of band) | 1.17% |
| Net interest margin | 1.12% (p1 of band) | 3.93% |
| Efficiency ratio | 121.66% (p97 of band) | |
| Noncurrent loans | 1.56% (p80 of band) | 0.36% |
| Net charge-offs (annualized) | 3.68% (p100 of band) | |
| Reserve coverage of noncurrent | 141.05% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 1.44% (p22 of band) | |
| Auto loans | $40,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -10.8% | |
| Employees | 38 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **charge-offs p90** (`aq_nco`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | NIM <2.5% |
| 2012-03 | 3 | deposits shrinking, assets shrinking |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 | capital falling | assets shrinking |
| 2013-03 | 2 |  | capital falling |
| 2013-06 | 1 |  | deposits shrinking |
| 2013-09 | 2 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 | losing money, expense ratio p90 | deposits shrinking, assets shrinking |
| 2014-06 | 5 | capital falling, deposits shrinking, uninsured deposits leaving |  |
| 2014-09 | 2 |  | expense ratio p90, capital falling, uninsured deposits leaving |
| 2014-12 | 1 |  | deposits shrinking |
| 2015-03 | 3 | capital falling, charge-offs p90 |  |
| 2015-06 | 1 |  | losing money, capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 5 | loans exceed deposits, liquid assets <10%, losing money, deposits shrinking |  |
| 2016-06 | 3 |  | losing money, deposits shrinking |
| 2016-09 | 2 | uninsured deposits leaving | loans exceed deposits, liquid assets <10% |
| 2016-12 | 2 | capital falling | uninsured deposits leaving |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 | losing money | capital falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 6 | noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-03 | 3 |  | losing money, noncurrent p90, uninsured deposits leaving |
| 2018-06 | 1 |  | deposits shrinking, assets shrinking |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 3 | noncurrent p90 |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 5 | loans exceed deposits, wholesale funding >15%, uninsured deposits leaving | noncurrent p90 |
| 2019-09 | 5 | liquid assets <10% | uninsured deposits leaving |
| 2019-12 | 6 | brokered >10% |  |
| 2020-03 | 2 |  | capital falling, loans exceed deposits, liquid assets <10%, brokered >10% |
| 2020-06 | 2 | liquid assets <10% | wholesale funding >15% |
| 2020-09 | 3 | loans exceed deposits |  |
| 2020-12 | 4 | wholesale funding >15% |  |
| 2021-03 | 6 | capital falling, expense ratio p90 |  |
| 2021-06 | 6 | losing money | capital falling |
| 2021-09 | 8 | brokered >10%, uninsured deposits leaving |  |
| 2021-12 | 9 | capital falling, assets shrinking | uninsured deposits leaving |
| 2022-03 | 5 |  | wholesale funding >15%, expense ratio p90, losing money, capital falling |
| 2022-06 | 4 | wholesale funding >15%, uninsured deposits leaving | liquid assets <10%, brokered >10%, assets shrinking |
| 2022-09 | 6 | brokered >10%, liquid assets <10%, capital falling | uninsured deposits leaving |
| 2022-12 | 9 | leverage <7%, losing money, expense ratio p90 |  |
| 2023-03 | 7 |  | liquid assets <10%, capital falling |
| 2023-06 | 8 | NIM <2.5%, deposits shrinking, assets shrinking | leverage <7%, losing money |
| 2023-09 | 9 | leverage <7%, losing money | brokered >10% |
| 2023-12 | 7 |  | assets shrinking, leverage <7% |
| 2024-03 | 7 | uninsured deposits leaving | loans exceed deposits |
| 2024-06 | 8 | loans exceed deposits, leverage <7%, capital falling | deposits shrinking, uninsured deposits leaving |
| 2024-09 | 10 | deposits shrinking, assets shrinking |  |
| 2024-12 | 8 |  | leverage <7%, capital falling |
| 2025-03 | 8 |  |  |
| 2025-06 | 8 |  |  |
| 2025-09 | 9 | uninsured deposits leaving |  |
| 2025-12 | 9 |  |  |
| 2026-03 | 9 | capital falling | uninsured deposits leaving |
| 2026-06 | 6 |  | wholesale funding >15%, loans exceed deposits, capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

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- 2026-03-24 [Movers & Shakers - SiouxFalls.Business](https://news.google.com/rss/articles/CBMiWkFVX3lxTE1xS25DZ0JKU1ppZk9ZMlppWmswUXJyUUJQaXpfQjF4UUx4b0tqb2pBUl9Oa3FCSmRra213SGFEbHhoc3BiSG1CSk5HcnplSGYwZ1JyTVZ2YVotdw?oc=5) · SiouxFalls.Business
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- 2026-09-01 [Best Student Loans And Current Rates In September 2026 - The College Investor](https://news.google.com/rss/articles/CBMidEFVX3lxTE4xaTcxQmp4TktGQUQ1UE1aVWFpU1U3aFNnVXhEZ1NNZTMzc2UzTVp4QUtzbW50OU94eTVISWlTX0RaS3d3UUR6cTdVYlh4S3JvTmRXNlRVQkxlUHQxa1NXbWJmaXkyUzEzajdGa1l4YktWTWFy?oc=5) · The College Investor
- 2024-05-10 [Earnest Names Nick Norcross as Chief Product Officer - 01net](https://news.google.com/rss/articles/CBMif0FVX3lxTFBTMjd0VllRRU50c1hZN3VjbmtFV0E4elk4RWZzTWxvR0Jrc09QVjJGTmJpOEhpby1HRGpPZ1Y5OWplNjRnVEozS0JDdllGSXgxOEhFSEJnM1MwcUJxMVJnaDcwZUdCVnczSHVGaGZabTJvQnNJY2VvdE9lQ1FSREU?oc=5) · 01net

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6078 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/62.json (key "6078", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide