American Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Common stock surplus: 8.2% higher than in Q1 2026, at $32.8M. Within Pennsylvania, American Bank is 58th of 72 on CET1 ratio, 12.07% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. American Bank sits 1.41 points lower, at 12.07% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.07% |
| Tier 1 risk-based capital ratio | 12.07% |
| Total risk-based capital ratio | 12.99% |
| Tier 1 leverage ratio | 10.60% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $115.1M |
| Tier 1 capital | $115.1M |
| Total risk-based capital | $123.9M |
| Total equity capital | $114.9M |
| Risk-weighted assets | $953.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.33% |
| Tangible equity to tangible assets | 10.33% |
| Equity capital to average assets | 10.58% |
| Internal capital growth rate | 7.86% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10.0M |
| Common stock surplus | $32.8M |
| Retained earnings | $72.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$213K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.50% | 11.50% | 12.46% | 10.37% | $804.1M |
| Q4 2023 | 12.71% | 12.71% | 13.67% | 11.51% | $815.2M |
| Q1 2024 | 12.76% | 12.76% | 13.72% | 11.73% | $824.0M |
| Q2 2024 | 12.86% | 12.86% | 13.79% | 11.74% | $825.5M |
| Q3 2024 | 12.36% | 12.36% | 13.36% | 11.48% | $862.6M |
| Q4 2024 | 11.90% | 11.90% | 12.83% | 10.68% | $870.9M |
| Q1 2025 | 12.09% | 12.09% | 13.09% | 10.80% | $877.1M |
| Q2 2025 | 12.54% | 12.54% | 13.48% | 11.03% | $874.6M |
| Q3 2025 | 12.58% | 12.58% | 13.51% | 10.80% | $888.0M |
| Q4 2025 | 12.29% | 12.29% | 13.22% | 10.29% | $889.4M |
| Q1 2026 | 12.10% | 12.10% | 13.02% | 10.34% | $912.7M |
| Q2 2026 | 12.07% | 12.07% | 12.99% | 10.60% | $953.6M |
American Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock American Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full American Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34422) · FFIEC NIC profile (RSSD 2580243)