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: 16.66 percentage points lower than in Q1 2026, at 33.82%. Within Louisiana, American Bank is 61st of 103 on return on assets, 1.07% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. American Bank sits 0.18 points lower, at 1.07% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.08% |
| Equity capital to assets | 10.89% |
| Tangible equity to tangible assets | 9.67% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 5.32% |
| Non-performing assets ratio | 3.89% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 36.18% |
| Allowance for credit losses to loans | 1.80% |
| Reserve coverage of non-performing loans | 33.82% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.07% |
| Return on equity | 9.81% |
| Net interest margin | 6.15% |
| Efficiency ratio | 74.42% |
| Yield on earning assets | 8.41% |
| Cost of funds | 2.15% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.21% |
| Core deposits to total deposits | 79.52% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.98% |
| Securities to assets | 2.95% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.75% | 0.87% | 5.09% | 1.37% | 0.62% |
| Q4 2023 | 9.92% | 2.94% | 7.64% | 1.44% | 0.01% |
| Q1 2024 | 9.82% | 1.26% | 6.12% | 2.60% | -0.00% |
| Q2 2024 | 9.08% | 0.59% | 5.22% | 2.76% | 0.02% |
| Q3 2024 | 9.10% | 0.07% | 4.68% | 3.67% | 0.03% |
| Q4 2024 | 9.90% | 1.10% | 4.82% | 3.77% | -0.03% |
| Q1 2025 | 10.63% | 1.84% | 6.48% | 3.61% | 0.60% |
| Q2 2025 | 10.34% | 0.55% | 5.39% | 2.91% | 1.38% |
| Q3 2025 | 10.29% | 0.60% | 5.85% | 2.50% | 0.21% |
| Q4 2025 | 10.58% | 1.76% | 6.27% | 2.98% | 0.14% |
| Q1 2026 | 10.33% | 0.18% | 4.96% | 3.62% | 0.16% |
| Q2 2026 | 10.08% | 1.07% | 6.15% | 5.32% | 0.09% |
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 19234) · FFIEC NIC profile (RSSD 597452)