American State Bank (TX) Rates and Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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American State Bank (TX)'s 12-Month CDs/IRAs rates are at 3.00%, 18-Month CDs/IRAs rates are at 2.85%, 24-Month CDs/IRAs rates are at 2.63%, 3-Month CDs/IRAs rates are at 2.50%, 60-Month CDs/IRAs rates are at 2.31%. American State Bank (TX)'s savings rates are at 0.05%. American State Bank (TX)'s money market rates are at 0.10%. MonitorBankRates evaluates the financial stability of American State Bank (TX) with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 16.23%. Rates were last updated on 03/02/2026.
Rate Updates and AvailabilityAmerican State Bank (TX) money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at American State Bank (TX)? Share your experience about American State Bank (TX) by leaving a review below, or read customer reviews before you decide to use American State Bank (TX). American State Bank (TX) Texas RatioAmerican State Bank (TX)'s Texas Ratio is at 16.23%, which is considered good. The Texas Ratio for American State Bank (TX) is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
4.9
Exceptional
Out of 5.0 Stars
American State Bank (TX) has earned a Smart Rating of 4.9 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Overall, American State Bank (TX) is a exceptional bank worth considering, with an overall rating of 4.9 stars out of 5 stars. Overall Health & Safety Grade
A-
Very Good Health
Score: 91/100
American State Bank (TX) has earned an overall safety grade of A-. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/02/2026 
American State Bank (TX) CD Rates
American State Bank (TX) Savings Rates
American State Bank (TX) Money Market Rates
American State Bank (TX) Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for American State Bank (TX) is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather American State Bank (TX) rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with American State Bank (TX)'s official website for the most current offers and terms.
Bank Profile & OverviewAmerican State Bank (TX)
102 W FrontArp, TX 75750 Smith Established Date: 08/01/1911 FDIC Certificate #: 9967 Date of FDIC Deposit Insurance: 01/01/1934 Bank Holding Company: STEELE BANCSHARES INC How Many Domestic U.S. Offices? 5 How Many Branches are There? 5 Website: https://www.asb.com
Is American State Bank (TX) FDIC Insured? Yes
What is American State Bank (TX)'s Cert number? 9967
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsMonitorBankRates Star Rating:
4.9 / 5.0 ★
Overall Health & Safety Grade:
A- (91/100)
Texas Ratio:
16.23%
Return on Assets (ROA):
0.2990%
Return on Equity (ROE):
4.0600%
Non-Performing Loans (NPL):
0.70%
Total Assets:
$672,666,000
Total Deposits:
$555,828,000
Equity Capital:
$76,653,000
Net Income:
$-184,000
Headquarters:
Arp
Regulator:
FED
# of Offices:
5
Source: FDIC | Last Updated 12/31/2025
Customer ReviewsThere are no reviews for American State Bank (TX) yet. Feel free to create one below.
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Frequently Asked Questions About American State Bank (TX)How do I open an account at American State Bank (TX)?You can typically open an account at American State Bank (TX) by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, American State Bank (TX) provides a range of mortgage and home equity products. Is American State Bank (TX) a safe place to deposit money?Yes, American State Bank (TX) is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does American State Bank (TX) offer online and mobile banking?Most modern institutions like American State Bank (TX) provide digital access including online balance checks and transfers. Compare to other Banks |
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