AMERICAN BANK & TRUST

SIOUX FALLS, SD | Large | Est. Jan. 1, 1892, midnight | FDIC #1117 | RSSD #275358 | FDIC
Latest Report: 2025-12-31

AMERICAN BANK & TRUST is aln large FDIC-insured commercial bank headquartered in SIOUX FALLS, SD, established in Jan. 1, 1892, midnight. As of 2025-12-31, the bank reported total assets of $2.1B and total deposits of $1.9B. Profitability stands at 1.52% ROA and 14.16% ROE, with a net interest margin of 4.08%. The bank's CET1 capital ratio is 14.66%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.51% and a Texas Ratio of 3.26%. FDIC Certificate #1117.

Assets

$2.1B

Deposits

$1.9B

Loans

$1.6B

Equity

$228M

Profitability

Return on Assets (ROA) 1.52%
Return on Equity (ROE) 14.16%
Net Interest Margin (NIM) 4.08%
Yield on Assets 6.23%
Cost of Funds 3.00%

Asset Quality

NPL Ratio 0.51%
Net Charge-Off Ratio 0.05%
Texas Ratio 3.26%
NPA Ratio 0.37%
ACL / Loans 1.08%

Capital & Liquidity

CET1 Ratio 14.66%
Tier 1 Capital 14.66%
Total Capital Ratio 15.71%
Leverage Ratio 11.18%
Loan-to-Deposit 82.97%

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