# AMERICAN SAVINGS BANK
TRIPOLI, IA · FDIC certificate 9104 · asset band <$300M · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $55.7M | |
| Deposits | $44.5M | |
| Loans and leases | $28.1M | |
| Total equity | $11.1M | |
| Loans / deposits | 62.43% (p49 of band) | 63.26% |
| Liquid assets / assets | 47.80% (p64 of band) | |
| Uninsured deposits / deposits | 20.91% (p58 of band) | 18.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 18.94% (p91 of band) | 10.61% |
| Unrealized securities loss / equity | 2.88% (p75 of band) | 0.71% |
| AOCI / equity | -2.14% (p28 of band) | |
| ROA (annualized) | 1.65% (p80 of band) | 1.03% |
| Net interest margin | 3.35% (p53 of band) | 3.29% |
| Efficiency ratio | 47.47% (p9 of band) | |
| Noncurrent loans | 0.00% (p11 of band) | 0.32% |
| Net charge-offs (annualized) | 0.00% (p47 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 53% | |
| Construction % of loans | 2.09% (p24 of band) | |
| Auto loans | $237,000 (0.84% of loans; DQ 17.30%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.3% | |
| Employees | 5 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-09 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2013-12 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2014-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 1 | assets shrinking |  |
| 2016-12 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2017-03 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2017-06 | 0 |  | deposits shrinking |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | assets shrinking |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | assets shrinking |
| 2019-03 | 2 | capital falling, reserve under noncurrent |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 0 |  | reserve under noncurrent |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |

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

- 2025-01-02 [Hawaiian Electric sells majority stake in American Savings Bank - Banking Dive](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQU00yTENJVEJ3YV9uODRrdDQzaFc4NXBVTF96QTcxdTRZV01qdlBhaGM1aklDcEJGczFNTnNoc05Ea25SMzFMN1AyRmxiTEk2WTRPYWgtcG8xVnZJd0R4QXRSZ0RLNjN4VHhJcjg1UlZiZTItczEtdUNwT2t6ZjhyMUFFak9hcHkyTzM1bjBSeDFtbjFHSmNKLWNjdzZwTVg1VlFkdmNROFJVQQ?oc=5) · Banking Dive
- 2024-03-21 [20 for the Next 20: Billy Pieper, American Savings Bank - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQMWZ6ZVFOQmtXUTdZQ0hVUEFPOUgzX2RaM3BhX2ZzZnlpU2ZBUFl5cWJoYU9fVGYtMjZnd2Vfb0tpendCMDRfNzZpTW9xbXFETUdrdk5QbnFuMXpaNmlZY2dBUzJQTWdpLWZpQmVqYzQ5aElZQm1WZnpKUXVoSzRwdGF5bS1zTW9x?oc=5) · Hawaii Business Magazine
- 2025-10-29 [San Joaquin County buys landmark building in downtown Stockton - Stocktonia](https://news.google.com/rss/articles/CBMitwFBVV95cUxOUmhZVWJfS2pJVnFQNGl2VFRoY0p3QmpqY1lLRHBkZ1F3dUREUllzRndSUlZHdGlqaUY3Z2hQUDRDOVhJLXlnS0o1Yi1pc2JTTG8zcTFZMC11eFhLRXRXenZRSU1RdVJOVEk1LWQ1bHV5NVFOQkZMNFN4ai1WbERvLWo0ZHV3Yl9nbXU3SG9KblRrNmhKUk5tcmNDWUsyWlBicHIzNWRtNDZIQUUyWWlxNnlnTlIxVUE?oc=5) · Stocktonia
- 2023-06-20 [Forbes 2026 America's Best Banks In Each State List - Forbes](https://news.google.com/rss/articles/CBMiXkFVX3lxTE4xcm9keG1VQVdlREh4RG0tMFA2NktMQ1M4SjBicWxRTkJ3a0lOQTVqSXA0d1FkZ0RPOXQxWjFXYzg5SWhNNTBTU0Rqa0Vuekp2TzR5WnhXLTBwel9MdWc?oc=5) · Forbes
- 2019-01-16 [American Bank owner sold to MidWestOne - SWNews4U](https://news.google.com/rss/articles/CBMihgFBVV95cUxOOUhLOU1Ca2VhLVZTUl9sQWVKejdVcDg2QXRiT0U1NkVsSDd3OEZaaEg5SlJNN19jZENKZ2UxaVlfOFJUV1lXZEcyS0d3YkxDXzVUZjd0UkxCaGRGbmJJQk5JNVpTaElsLTdtVzAzVEpHc21WSnpVWUxvVjNUSlg2a3I5aFlEZw?oc=5) · SWNews4U
- 2018-08-28 [MidWestOne adds 17 branch locations in $170 million acquisition - The Des Moines Register](https://news.google.com/rss/articles/CBMi-gFBVV95cUxPR1E5SjZuZmQ4ZG1yM2htVnhNb2NnTUZ6eFBua0locUs3V09QaktKOVRLWmpKb3Y5cV8wUGtHREFaNXhrWHgxZTBsNTVTakQyeGhhUGxKMHhMeko1THNpV3ZGQUlYUmdGd1Q3UzBzU1J6MW1IWVFDMEFiOXlSYlBib0hIdjJnSWJaRWFacFhITUUxT0hadzFnbnRaMjZtenNFRWd0MzREeDYyeVhwMmlNNi03eFdEY3hpTW0zVkVST25XYVJIdjVSa1dpTElnVTEwcEk3dTRSNGpDdjJBcUJyeTdxYXdBWUZrbmp2SzM1a0FyM1A1cDlWVndn?oc=5) · The Des Moines Register
- 2020-11-18 [Native American-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMifkFVX3lxTE9MQVNiajFseGo2LW5UQVNLbzVEbHdCM1Jlekl3TDI0MnZuTWNuRDhMc1h6Nnc1STA4NU1jUnlFLXJ4NEs4Nm5pdG05UC1JYUhZRVljcnl0a1YyWUVnZzhQNkRSOXU2TVQwTmJRbWwwOUNkQ01EOE9SaDBzNTR1dw?oc=5) · Investopedia
- 2019-02-28 [8 in the Air: The tallest building in the Quad Cities - WQAD](https://news.google.com/rss/articles/CBMi5wFBVV95cUxPcFR5aXhZcnYySDIzQ1VSMXlOYVlnSWZsbFk4RE51SWh6dkFGQXdiVno5WlFyNkJ6Y3lSeWNhV0xlbUh3TUlkT3lNRVVmMFNxOFk1c3dCWHVBSnNHNWVfczVIcGFfVGQ4RXNWWkV1ZEtBaFpWYV9MNlhyRzBxcnZtZnFyeTNqNmF0RnVWMDYwVEVUUzVYY05xdkRfaFpfZjNQcWloX3JCTWdQZEhES2VjR1ppXzd0TmlSeUh4bDFEeTV0cXhhWXhQRHh1YW9yeUw5UkVLaEZ6Q1BleVYzejdpSXRvYm5OV2M?oc=5) · WQAD

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9104 (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/16.json (key "9104", 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