Bank · FDIC insured
ONE AMERICAN BANK
A $285.2M bank headquartered in Centerville, SD, with 3 branches in South Dakota. Best rates: CDs 4.05% and savings 3.00% APY.
ONE AMERICAN BANK Carrot Score
78
Carrot Score
Higher than 45% of U.S. banks and credit unions
#11 of 18 in Sioux Falls, SD-MN metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About ONE AMERICAN BANK
ONE AMERICAN BANK is a community bank with historic roots dating back to 1883.
- Headquarters
- 549 Broadway St, Centerville, SD 57014
- FDIC certificate
- 6078 ↗
Branches
3 branches in South Dakota
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South Dakota
3 branches
- One American BankMain office549 Broadway St, Centerville, SD 57014Directions
- 49th St3310 W 49th St, Sioux Falls, SD 57106Directions
- Sioux Falls Branch515 S Minnesota Ave, Sioux Falls, SD 57104Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.35% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.56% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | -3.96% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $98 | $81 | — |
- CapitalLeverage ratio8.35%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.56%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets-3.96%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$98Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of ONE AMERICAN BANK are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.