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Overview / Commentary
102 W Front
Arp, TX 75750

American State Bank (TX) is headquartered in Arp and is the 212st largest bank in the state of Texas. It is also the 2,503rd largest bank in the nation. It was established in 1911 and as of June of 2014, it had grown to 58 employees at 5 locations. American State Bank (TX)'s money market rates are 70% higher than the national average, and it has a A health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 American State Bank (TX) had $3.64 million in non-current loans and owned real-estate with $36.86 million in equity and loan loss allowances on hand to cover it. This gives American State Bank (TX) a Texas Ratio of 9.89% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for American State Bank (TX) experienced no significant changes from 10.83% as of June 30, 2013 to 9.89% as of June 30, 2014, resulting in a positive change of 8.72%.This indicates that the balance sheet and financial strength for American State Bank (TX) has had no significant changes in recent periods.

Deposit Growth


In the past year, American State Bank (TX) has increased its total deposits by $17.83 million, resulting in 8.84% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth American State Bank (TX) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. American State Bank (TX) has $255.76 million in assets with $36.86 million in equity, resulting in a capitalization level of 14.41%, which is excellent.

Institution Statistics

FDIC Certificate #9967
Year Established1911
Primary RegulatorFED
Assets and Liabilities
Assets$255.76 million
Loans$163.83 million
Deposits$219.60 million
Equity Capital$35.50 million
Loan Loss Allowance$1.36 million
Unbacked Noncurrent Loans$519,000
Real Estate Owned$3.13 million
Historic Data - June 2013
Assets$263.37 million
Equity Capital$34.77 million
Loan Loss Allowance$1.10 million
Unbacked Noncurrent Loans$519,000
Real Estate Owned$3.13 million
Profit Margin - Quarterly
Return on Assets0.42%
Return on Equity3.16%
Interest Income$4.79 million
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American State Bank (TX) Savings Account Rates

0.10%--Savings Account
0.10%--Young Savers Account

American State Bank (TX) Money Market Rates

0.75%$350k-American Advantage Money Market
0.10%$1k-Money Market Account

American State Bank (TX) CD Rates

1.25%$1k-60 Month CD
1.00%$1k-48 Month CD
0.75%$1k-37 Month CD Special
0.70%$1k-36 Month CD
0.55%$1k-24 Month CD
0.45%$1k-18 Month CD
0.40%$1k-12 Month CD
0.25%$1k-6 Month CD
0.10%$1k-3 Month CD
0.05%$1k-1 Month CD

American State Bank (TX) Locations
American State Bank102 W FrontArp, TX 75750
Troup Hwy Branch1116 Troup HwyTyler, TX 75701
Chapel Hill Branch12300 State Highway 64 EastTyler, TX 75707
South Tyler Branch5202 Old Jacksonville HighwayTyler, TX 75703
Copeland Branch907 East Southeast Loop 323Tyler, TX 75701