American Bank (Covington, LA)
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Data as of · sourced from FFIEC call reports. How we update
American Bank is an FDIC-insured commercial bank headquartered in Covington, LA, established in 1964 (FDIC certificate 19234), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $366.6M, up 10.9% from Q2 2025, the 53rd largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.08% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19234
- Headquarters
- Covington, LA
- Established
- 1964
- Total assets, Q2 2026
- $366.6M
- Assets vs Q2 2025
- +10.9%
- Tier 1 leverage ratio, Q2 2026
- 10.08%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 065405404
- Latest call report
- Q2 2026, FFIEC 051 · American Bank call report
- Holding company
- AMERICAN BANCSHARES, INC.
- Asset rank in state
- 53rd of 102 in Louisiana
Problem loans are rising at American Bank. It reported $367 million in assets at June 30, 2026, up 10.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 4.33% of loans from 2.25% a year earlier. It keeps 6.15 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it carries problem assets equal to 30.0% of the capital and reserves that would absorb them, 11.3 times the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $968,000, 112% above the same quarter a year earlier. Its $37 million non-owner-occupied commercial real estate book is improving, with 8.76% past due or on nonaccrual, down from 14.37% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.5 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, American Bank reported a return on assets of 1.07%, a nonperforming-loan ratio of 5.04% and a Texas ratio of 29.95%. The figures come from its call report filed with the FFIEC.
Of the 102 banks headquartered in Louisiana, American Bank is the 53rd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.0% to $366.6M, loans rose 3.9% and deposits rose 1.7%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 29.3% of total loans, ahead of construction and land development loans at 23.5%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in LA; its Coushatta office books 47% of its branch deposits. By the capital ratios in its Q2 2026 call report, American Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1819 N Columbia St, Covington, LA 70433
- County
- St. Tammany
- Metro Area
- Slidell-Mandeville-Covington, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 14, 1964
- Former names
- American Bank & Trust Company (1977-2022)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 77
- Domestic deposits
- $322.6M
- Allowance for credit losses
- $4.5M
- Net charge-offs (YTD)
- $145K
- Average total assets
- $362.2M
- Average total loans
- $243.5M
- Average interest-bearing deposits
- $257.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 14, 1964
- FDIC Cert
- 19234
- Fed RSSD
- 597452
- SEC CIK
- 1921742 → filed by AMERICAN BANCSHARES, INC.
- Website
- www.americanbankusa.com →
- Parent Holding Company
- AMERICAN BANCSHARES, INC. (RSSD 1104615)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, American Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
American Bank's total assets moved between a low of $281.1M (Q3 2023) and a high of $366.6M (Q2 2026) from Q3 2023 to 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
$366.6M total assets against $330.6M; $326.7M total liabilities against $293.7M.
$244.6M net loans and leases against $231.1M; $322.6M total deposits against $290.3M.
$10.8M securities against $5.0M; $86.3M cash and balances due against $70.4M.
$7.1M total interest income against $6.0M; $1.9M total interest expense against $1.8M.
$5.2M net interest income against $4.2M.
$619K total noninterest income against $614K; $4.3M total noninterest expense against $3.8M.
$150K provision for credit losses against $335K.
$968K net income against $457K.
1.07% return on assets against 0.55%; 6.15% net interest margin against 5.39%.
10.08% tier 1 leverage ratio against 10.34%.
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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
American Bank rankings
Its closest position to the top of a national ranking is 56 of 3,640, for Texas Ratio; its furthest is 3,015 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.07% (Q3 2024) to 1.84% (Q1 2025) and its net interest margin ran from 4.68% (Q3 2024) to 6.48% (Q1 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.08% | 1.07% | 5.04% | 29.95% | 6.15% |
| Q1 2026 | 10.33% | 0.18% | 3.33% | 25.62% | 4.96% |
| Q4 2025 | 10.58% | 1.76% | 2.76% | 19.78% | 6.27% |
| Q3 2025 | 10.29% | 0.60% | 2.28% | 17.95% | 5.85% |
| Q2 2025 | 10.34% | 0.55% | 2.78% | 27.72% | 5.39% |
| Q1 2025 | 10.63% | 1.84% | 3.48% | 29.45% | 6.48% |
| Q4 2024 | 9.90% | 1.10% | 3.65% | 32.64% | 4.82% |
| Q3 2024 | 9.10% | 0.07% | 3.48% | 33.45% | 4.68% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → 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 |
|---|---|---|---|
| Coushatta Branch | Coushatta , LA | 71019 | $151.2M |
| American Bank (main office) | Covington , LA | 70433 | $54.6M |
| American Bank and Trust Company, Inc., Terrytown Branch | Terrytown , LA | 70056 | $49.3M |
| Hammond Branch | Hammond , LA | 70403 | $45.2M |
| Mandeville Branch | Mandeville , LA | 70448 | $22.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in LA, rank 62 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 25 loans, $35.2M approved, $1.4M 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, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about American Bank
What are American Bank's total assets?
As of the Q2 2026 filing, American Bank reported total assets of $366.6 million in its FFIEC call report.
Where is American Bank headquartered?
It is headquartered in Covington, LA, United States.
When was American Bank founded?
It was established in 1964, per the FDIC institution directory.
Is American Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19234). 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 FDIC.
How many branches does American Bank operate?
It operates 5 domestic offices, 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 29.95% 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.
What was American Bank previously called?
The charter now named American Bank has also operated as American Bank & Trust Company (1977-2022), per FDIC structure-change records.
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