American Bank of Commerce: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
American Bank of Commerce, based in Wolfforth, Texas, reported $1.9 billion in assets at June 30, 2026, up 12.4% from a year earlier. It grew its loan book 33.3% over the year, 5.6 times the median of 5.9% for the 895 banks with $1 billion to $10 billion in assets. It also holds commercial real estate loans worth 3.4 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
Earnings jumped: net income for the quarter was $4.8 million, 35% above the same quarter a year earlier. Over the same year, loans grew 33.3% and deposits grew 5.5%.
As of June 30, 2026, American Bank of Commerce reported a return on assets of 1.02%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 1.40%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 530 E Highway 62-82, Wolfforth, TX 79382
- County
- Lubbock
- Metro Area
- Lubbock, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- September 11, 1962
- Offices
- 13 domestic
- Employees (FTE)
- 171
- Domestic deposits
- $1.44B
- Allowance for credit losses
- $15.3M
- Net charge-offs (YTD)
- $632K
- Average total assets
- $1.88B
- Average total loans
- $1.23B
- Average interest-bearing deposits
- $997.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 11, 1962
- FDIC Cert
- 18609
- Fed RSSD
- 215662
- SEC CIK
- 2072233 → filed by AMERICO BANCSHARES, INC.
- Website
- www.theabcbank.com →
- Parent Holding Company
- AMERICO BANCSHARES, INC. (RSSD 1107193)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full American Bank of Commerce terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock American Bank of Commerce, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
American Bank of Commerce rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.65% | 1.02% | 0.09% | 1.40% | 3.49% |
| Q1 2026 | 9.90% | 1.00% | 0.02% | 0.63% | 3.35% |
| Q4 2025 | 10.06% | 0.95% | 0.24% | 0.82% | 3.46% |
| Q3 2025 | 9.96% | 1.00% | 0.31% | 0.97% | 3.25% |
| Q2 2025 | 10.43% | 0.89% | 0.31% | 1.06% | 3.17% |
| Q1 2025 | 9.48% | 0.75% | 0.21% | 1.11% | 3.12% |
| Q4 2024 | 9.41% | 0.81% | 0.26% | 1.50% | 3.08% |
| Q3 2024 | 9.27% | 0.55% | 0.42% | 2.86% | 2.69% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 13 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| West Fifth Street Branch | Austin , TX | 78701 | $350.6M |
| American Bank of Commerce (main office) | Wolfforth , TX | 79382 | $272.1M |
| Slide Rd Branch | Lubbock , TX | 79424 | $236.7M |
| Lakeline Mall Drive Branch | Austin , TX | 78717 | $140.7M |
| West Braker Lane Branch | Austin , TX | 78758 | $86.1M |
| Addison Branch | Dallas , TX | 75254 | $78.4M |
| Indiana Avenue Branch | Lubbock , TX | 79423 | $77.3M |
| American Bank of Commerce Branch | Austin , TX | 78704 | $76.7M |
| 121 & Preston Branch | Plano , TX | 75024 | $46.8M |
| American Bank of Commerce Pueblo Banking Center | Pueblo , CO | 81003 | $42.6M |
| Colorado Springs Branch | Colorado Springs , CO | 80903 | $31.7M |
| North Loop Branch | Lubbock , TX | 79416 | $4.0M |
| Mobile Branch for Lubbock | Wolfforth , TX | 79382 | $0 |
Regulatory record
What the public regulatory sources show for American Bank of Commerce, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 88 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 163 applications, 87 loans originated, $74.4M originated, across 24 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 21 loans, $10.6M approved, $503K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about American Bank of Commerce
What are American Bank of Commerce's total assets?
As of the Q2 2026 filing, American Bank of Commerce reported total assets of $1.86 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is American Bank of Commerce headquartered?
American Bank of Commerce is headquartered in Wolfforth, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was American Bank of Commerce founded?
American Bank of Commerce was established in 1962, per the FDIC institution directory.
Is American Bank of Commerce FDIC-insured?
Yes. American Bank of Commerce is an FDIC-insured commercial bank (FDIC Certificate #18609). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Bank of Commerce?
American Bank of Commerce's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does American Bank of Commerce operate?
American Bank of Commerce operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Bank of Commerce's Texas Ratio?
American Bank of Commerce's Texas Ratio is 1.40% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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