🏦Bank Scorer

AMERICAN TRUST AND SAVINGS BANK

LOWDEN, IA · Supervised by FDIC

Est. 1913FDIC #10,120RSSD: FDIC-10120
Part ofLOWDEN BANCSHARES INC→ View all charters
Needs to Improve Down

Current rating · Exam: November 2024

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Needs Attention

ROA -0.90%

Institution Profile

FDIC BankFind

Address

309 Mckinley Ave, LOWDEN, IA

County

Cedar County

Established

October 1, 1913

Total Assets

$29M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

November 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$29M

Total Deposits

$24M

Net Loans

$5M

Net Income

$-67K

ROA

-0.90%

ROE

-7.36%

Risk-Based Capital

41.98%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$29M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

8 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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