American Bank (Allentown, PA)
BankRegReports is independent of American Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
American Bank is an FDIC-insured commercial bank headquartered in Allentown, PA, established in 1997 (FDIC certificate 34422), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.11B, up 9.2% from Q2 2025, the 42nd largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 12.07% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 34422
- Headquarters
- Allentown, PA
- Established
- 1997
- Total assets, Q2 2026
- $1.11B
- Assets vs Q2 2025
- +9.2%
- CET1 ratio, Q2 2026
- 12.07%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 031302997
- Holding company
- AMERICAN BANK INCORPORATED
- Asset rank in state
- 42nd of 109 in Pennsylvania
American Bank leans heavily on commercial real estate. Its balance sheet stood at $1.1 billion at June 30, 2026, up 9.2% from a year earlier; it is based in Allentown, Pennsylvania. It holds commercial real estate loans worth 4.4 times its capital, about double the median of 2.2 times for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it carries problem assets equal to 0.2% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for banks its size.
Net income for the quarter slipped 16% from a year earlier, to $3.5 million. Funding is the softer spot: it pays an average of 2.77% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, American Bank reported a CET1 capital ratio of 12.07%, a return on assets of 1.28%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.24%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, American Bank is the 42nd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.5% to $1.11B, loans rose 4.9% and deposits rose 1.3%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 44.2% of total loans, ahead of 1-4 family residential loans at 15.4%. Its one office in the FDIC Summary of Deposits is in Allentown, PA. By the capital ratios in its Q2 2026 call report, American Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 4029 W Tilghman St, Allentown, PA 18104
- County
- Lehigh
- Metro Area
- Allentown-Bethlehem-Easton, PA-NJ
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- June 2, 1997
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 66
- Domestic deposits
- $914.8M
- Allowance for credit losses
- $8.4M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $1.09B
- Average total loans
- $874.1M
- Average interest-bearing deposits
- $815.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 2, 1997
- FDIC Cert
- 34422
- Fed RSSD
- 2580243
- Website
- www.ambk.com →
- Parent Holding Company
- AMERICAN BANK INCORPORATED (RSSD 3008753)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, American Bank's total assets ran between $883.6M (Q3 2023) and $1.11B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.11B total assets against $1.02B; $997.0M total liabilities against $908.1M.
$895.7M net loans and leases against $814.8M; $914.8M total deposits against $822.1M.
$126.6M securities against $62.2M; $31.5M cash and balances due against $81.6M.
$14.9M total interest income against $13.4M; $6.7M total interest expense against $6.3M.
$8.2M net interest income against $7.1M.
$532K total noninterest income against $1.5M; $4.0M total noninterest expense against $3.8M.
$374K provision for credit losses against -$451K.
$3.5M net income against $4.1M.
1.28% return on assets against 1.67%; 3.15% net interest margin against 2.99%.
12.07% CET1 capital ratio against 12.54%; 10.60% tier 1 leverage ratio against 11.03%.
Inside the full American Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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 rankings
Its closest position to the top of a national ranking is 481 of 3,606, for efficiency ratio; its furthest is 3,130 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.82% (Q3 2024) to 1.67% (Q2 2025) and its net interest margin ran from 2.87% (Q3 2024) to 3.15% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.07% | 1.28% | 0.00% | 0.24% | 3.15% |
| Q1 2026 | 12.10% | 1.32% | 0.04% | 0.51% | 3.08% |
| Q4 2025 | 12.29% | 1.46% | 0.04% | 0.86% | 3.06% |
| Q3 2025 | 12.58% | 1.34% | 0.04% | 2.60% | 3.04% |
| Q2 2025 | 12.54% | 1.67% | 0.00% | 3.01% | 2.99% |
| Q1 2025 | 12.09% | 1.02% | 0.10% | 3.12% | 2.92% |
| Q4 2024 | 11.90% | 1.40% | 0.20% | 3.15% | 2.87% |
| Q3 2024 | 12.36% | 0.82% | 0.40% | 2.81% | 2.87% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| American Bank (main office) | Allentown , PA | 18104 | $914.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in PA, rank 58 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 76 applications, 70 loans originated, $35.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $75K approved, $75K 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows American Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about American Bank
What are American Bank's total assets?
As of the Q2 2026 filing, American Bank reported total assets of $1.11 billion in its FFIEC call report.
Where is American Bank headquartered?
It is headquartered in Allentown, PA, United States.
When was American Bank founded?
It was established in 1997, per the FDIC institution directory.
Is American Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34422). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Bank?
American Bank's primary federal regulator is the Federal Reserve.
What is American Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.07% in its Q2 2026 call report, above regulatory requirements.
How many branches does American Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Bank's Texas Ratio?
Its Texas Ratio is 0.24% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on American Bank.
Get an email when American Bank files its next call report, and benchmark it against any peer you choose.
Unlock American Bank, freeFree account