American Bank (Bozeman, MT)
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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 Bozeman, MT, established in 1970 (FDIC certificate 20311), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $630.4M, down 0.2% from Q2 2025, the 10th largest of 35 banks headquartered in Montana. Its CET1 capital ratio was 15.36% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 20311
- Headquarters
- Bozeman, MT
- Established
- 1970
- Total assets, Q2 2026
- $630.4M
- Assets vs Q2 2025
- -0.2%
- CET1 ratio, Q2 2026
- 15.36%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 092901227
- Latest call report
- Q2 2026, FFIEC 051 · American Bank call report
- Holding company
- GUARANTY DEVELOPMENT COMPANY
- Asset rank in state
- 10th of 35 in Montana
American Bank, based in Bozeman, Montana, reported $630 million in assets at June 30, 2026. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). It also shrank its loan book 3.4% over the year, lower than about three-quarters of banks its size (median 5.5%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.00% of loans from 1.25%. Its $97 million commercial and industrial book is improving, with 3.33% past due or on nonaccrual, down from 6.01% a year earlier.
As of June 30, 2026, American Bank reported a CET1 capital ratio of 15.36%, a return on assets of 1.39%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
American Bank ranks as the 10th largest of the 35 banks based in Montana, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.6% to $630.4M, loans rose 2.5% and deposits rose 3.8%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 24.4% of total loans, ahead of owner-occupied commercial real estate loans at 20.1%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities in MT; its Bozeman 2 offices book 43% of its branch deposits. On its Q2 2026 call report, American Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1632 W Main St, Bozeman, MT 59715
- County
- Gallatin
- Metro Area
- Bozeman, MT
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 27, 1970
- Former names
- American Bank of Montana (1997-2004); American Bank of Billings (1983-1992); Western State Bank (1970-1983)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 78
- Domestic deposits
- $564.0M
- Allowance for credit losses
- $6.6M
- Net charge-offs (YTD)
- -$9K
- Average total assets
- $620.0M
- Average total loans
- $394.4M
- Average interest-bearing deposits
- $389.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 25, 1970
- FDIC Cert
- 20311
- Fed RSSD
- 630555
- Website
- www.americanbankmontana.com →
- Parent Holding Company
- GUARANTY DEVELOPMENT COMPANY (RSSD 1121993)
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
From Q3 2023 to Q2 2026, American Bank's total assets ranged from $606.7M (Q1 2024) to $663.9M (Q1 2025), 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
$630.4M total assets against $631.5M; $571.1M total liabilities against $580.5M.
$389.9M net loans and leases against $403.7M; $564.0M total deposits against $562.8M.
$125.3M securities against $131.9M; $72.8M cash and balances due against $61.8M.
$8.1M total interest income against $8.3M; $2.1M total interest expense against $2.5M.
$6.0M net interest income against $5.8M.
$340K total noninterest income against $332K; $4.2M total noninterest expense against $3.9M.
$0 provision for credit losses against $0.
$2.1M net income against $2.2M.
1.39% return on assets against 1.40%; 4.17% net interest margin against 3.84%.
15.36% CET1 capital ratio against 13.86%; 11.12% tier 1 leverage ratio against 9.97%.
Inside the full American Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAmerican Bank rankings
Its closest position to the top of a national ranking is 1,489 of 4,196, for total assets; its furthest is 3,393 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.16% (Q1 2025) to 2.06% (Q3 2025) and its net interest margin ran from 3.47% (Q1 2025) to 4.54% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.36% | 1.39% | 0.00% | 0.00% | 4.17% |
| Q1 2026 | 15.54% | 1.36% | 0.00% | 0.00% | 4.03% |
| Q4 2025 | 15.35% | 1.92% | 0.00% | 0.01% | 4.14% |
| Q3 2025 | 14.39% | 2.06% | 0.00% | 0.02% | 4.54% |
| Q2 2025 | 13.86% | 1.40% | 1.25% | 8.87% | 3.84% |
| Q1 2025 | 13.71% | 1.16% | 1.25% | 9.20% | 3.47% |
| Q4 2024 | 13.63% | 1.51% | 1.26% | 9.66% | 3.56% |
| Q3 2024 | 13.34% | 1.32% | 0.01% | 0.05% | 3.72% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| American Bank (main office) | Bozeman , MT | 59715 | $167.2M |
| Livingston Branch | Livingston , MT | 59047 | $116.7M |
| Big Sky Branch | Big Sky , MT | 59716 | $97.4M |
| Bozeman - East Main Branch | Bozeman , MT | 59715 | $76.4M |
| Whitefish Branch | Whitefish , MT | 59937 | $73.5M |
| Big Timber Branch | Big Timber , MT | 59011 | $32.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 27, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 27, 1998 | Structure Change | Acquired American Bank (Whitefish) Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 1992 | Structure Change | Acquired First Security Bank of Livingston Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 31, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, GUARANTY DEVELOPMENT COMPANY, not the bank itself
- August 3, 2010, Federal Reserve: Written Agreement: Guaranty Development Company, Livingston, Montana; American Bank, Bozeman, Montana
- Period: Most recent institution action August 3, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.4% of deposits in MT, rank 11 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $5.0M approved, $5.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 $630.4 million in its FFIEC call report.
Where is American Bank headquartered?
It is headquartered in Bozeman, MT, United States.
When was American Bank founded?
It was established in 1970, per the FDIC institution directory.
Is American Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20311). 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.
What is American Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.36% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does American Bank operate?
It operates 6 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 0.00% 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 of Montana (1997-2004), American Bank of Billings (1983-1992), Western State Bank (1970-1983), per FDIC structure-change records.
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