AMERICAN EAGLE BANK
AMERICAN EAGLE BANK is an FDIC-insured commercial bank headquartered in SOUTH ELGIN, IL, established in 2002. As of , the bank reported total assets of $497M and total deposits of $376M. Profitability stands at 0.40% ROA and 4.60% ROE, with a net interest margin of 2.52%. CET1 capital ratio: 10.31%, well above regulatory minimums. NPL ratio: 0.09% · Texas Ratio: 0.91%. Operates 2 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
American Eagle Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 10.31% | 0.40% | 0.09% | 0.91% | 2.52% |
| 2025-09-30 | 10.23% | 0.70% | 0.08% | 0.78% | 2.68% |
| 2025-06-30 | 10.54% | 0.39% | 0.10% | 0.89% | 2.21% |
| 2025-03-31 | 10.23% | 0.28% | 0.10% | 0.92% | 2.24% |
| 2024-12-31 | 10.20% | 0.52% | 0.08% | 0.82% | 2.39% |
| 2024-09-30 | 10.35% | 0.43% | 0.10% | 0.96% | 2.31% |
| 2024-06-30 | 10.61% | 0.36% | 0.09% | 0.77% | 2.03% |
| 2024-03-31 | 10.75% | 0.41% | 0.11% | 0.98% | 1.97% |
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Frequently asked about AMERICAN EAGLE BANK
What are American Eagle Bank's total assets?
As of the Q4 2025 filing, American Eagle Bank reported total assets of $496.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is American Eagle Bank headquartered?
American Eagle Bank is headquartered in SOUTH ELGIN, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was American Eagle Bank founded?
American Eagle Bank was established in 2002, per the FDIC institution directory.
Is American Eagle Bank FDIC-insured?
Yes. American Eagle Bank is an FDIC-insured commercial bank (FDIC Certificate #57359). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Eagle Bank?
American Eagle Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is American Eagle Bank's CET1 capital ratio?
American Eagle Bank reported a Common Equity Tier 1 (CET1) capital ratio of 10.31% in its most recent quarterly filing — above regulatory minimums.
How many branches does American Eagle Bank operate?
American Eagle Bank operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is American Eagle Bank's Texas Ratio?
American Eagle Bank's Texas Ratio is 0.91% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.