AMERICAN FEDERAL BANK

FARGO, ND | Medium | Est. Jan. 1, 1891, midnight | FDIC #29140 | RSSD #637170 | OCC
Latest Report: 2025-12-31

AMERICAN FEDERAL BANK is amn medium FDIC-insured commercial bank headquartered in FARGO, ND, established in Jan. 1, 1891, midnight. As of 2025-12-31, the bank reported total assets of $783M and total deposits of $632M. Profitability stands at 1.08% ROA and 11.82% ROE, with a net interest margin of 3.51%. The bank's CET1 capital ratio is 12.21%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.13%. FDIC Certificate #29140.

Assets

$783M

Deposits

$632M

Loans

$671M

Equity

$67M

Profitability

Return on Assets (ROA) 1.08%
Return on Equity (ROE) 11.82%
Net Interest Margin (NIM) 3.51%
Yield on Assets 5.45%
Cost of Funds 1.97%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.13%
NPA Ratio 0.01%
ACL / Loans 1.04%

Capital & Liquidity

CET1 Ratio 12.21%
Tier 1 Capital 12.21%
Total Capital Ratio 13.46%
Leverage Ratio 8.87%
Loan-to-Deposit 106.14%

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