🏦Bank Scorer

ONE AMERICAN BANK

CENTERVILLE, SD · Supervised by FDIC

Est. 1883FDIC #6,078RSSD: FDIC-6078
Part ofONE AMERICAN FINANCIAL CORP→ View all charters
Needs to Improve Down

Current rating · Exam: August 2025

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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 -1.94%

Institution Profile

FDIC BankFind

Address

549 Broadway St, CENTERVILLE, SD

County

Turner County

Established

January 1, 1883

Total Assets

$360M(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

August 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$360M

Total Deposits

$241M

Net Loans

$264M

Net Income

$-1,737K

ROA

-1.94%

ROE

-25.44%

Risk-Based Capital

16.52%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate4.55%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$260M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20232236.36%4.55%
202224571.02%1.22%
202112,42467.51%0.80%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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