American Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 41.59 percentage points higher than in Q1 2026, at 275.93%. Within Pennsylvania, American Bank is 37th of 109 on return on assets, 1.28% as of Q2 2026, above the middle of the field. At 1.28%, American Bank's return on assets is close to the 1.28% median for banks in the $1B-10B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.07% |
| Tier 1 risk-based capital ratio | 12.07% |
| Total risk-based capital ratio | 12.99% |
| Tier 1 leverage ratio | 10.60% |
| Equity capital to assets | 10.33% |
| Tangible equity to tangible assets | 10.33% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.34% |
| Non-performing assets ratio | 0.30% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 2.71% |
| Allowance for credit losses to loans | 0.93% |
| Reserve coverage of non-performing loans | 275.93% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.28% |
| Return on equity | 12.33% |
| Net interest margin | 3.15% |
| Efficiency ratio | 46.21% |
| Yield on earning assets | 5.72% |
| Cost of funds | 2.77% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.82% |
| Core deposits to total deposits | 89.05% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.28% |
| Securities to assets | 11.39% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.50% | 11.50% | 12.46% | 10.37% | 1.07% |
| Q4 2023 | 12.71% | 12.71% | 13.67% | 11.51% | 0.92% |
| Q1 2024 | 12.76% | 12.76% | 13.72% | 11.73% | 0.93% |
| Q2 2024 | 12.86% | 12.86% | 13.79% | 11.74% | 1.09% |
| Q3 2024 | 12.36% | 12.36% | 13.36% | 11.48% | 0.82% |
| Q4 2024 | 11.90% | 11.90% | 12.83% | 10.68% | 1.40% |
| Q1 2025 | 12.09% | 12.09% | 13.09% | 10.80% | 1.02% |
| Q2 2025 | 12.54% | 12.54% | 13.48% | 11.03% | 1.67% |
| Q3 2025 | 12.58% | 12.58% | 13.51% | 10.80% | 1.34% |
| Q4 2025 | 12.29% | 12.29% | 13.22% | 10.29% | 1.46% |
| Q1 2026 | 12.10% | 12.10% | 13.02% | 10.34% | 1.32% |
| Q2 2026 | 12.07% | 12.07% | 12.99% | 10.60% | 1.28% |
American Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)