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%.
Compared with Q1 2026, Retained earnings rose 4.7% in Q2 2026 to $23.2M, the biggest move on this page. American Bank ranks 7th of 21 Montana banks on CET1 ratio, in the upper half at 15.36% (Q2 2026). At 15.36%, American Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.36% |
| Tier 1 risk-based capital ratio | 15.36% |
| Total risk-based capital ratio | 16.61% |
| Tier 1 leverage ratio | 11.12% |
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 | $68.9M |
| Tier 1 capital | $68.9M |
| Total risk-based capital | $74.5M |
| Total equity capital | $59.3M |
| Risk-weighted assets | $448.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.40% |
| Tangible equity to tangible assets | 9.40% |
| Equity capital to average assets | 9.56% |
| Internal capital growth rate | 7.11% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $14.0M |
| Common stock surplus | $31.8M |
| Retained earnings | $23.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.7M |
| 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 | 12.09% | 12.09% | 13.34% | 8.93% | $477.6M |
| Q4 2023 | 12.20% | 12.20% | 13.45% | 8.97% | $479.2M |
| Q1 2024 | 12.64% | 12.64% | 13.90% | 9.28% | $467.8M |
| Q2 2024 | 12.68% | 12.68% | 13.93% | 9.43% | $470.7M |
| Q3 2024 | 13.34% | 13.34% | 14.59% | 9.59% | $454.5M |
| Q4 2024 | 13.63% | 13.63% | 14.88% | 9.47% | $457.1M |
| Q1 2025 | 13.71% | 13.71% | 14.96% | 9.49% | $456.6M |
| Q2 2025 | 13.86% | 13.86% | 15.11% | 9.97% | $459.5M |
| Q3 2025 | 14.39% | 14.39% | 15.64% | 10.32% | $455.7M |
| Q4 2025 | 15.35% | 15.35% | 16.60% | 10.33% | $436.3M |
| Q1 2026 | 15.54% | 15.54% | 16.80% | 10.91% | $436.8M |
| Q2 2026 | 15.36% | 15.36% | 16.61% | 11.12% | $448.7M |
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 20311) · FFIEC NIC profile (RSSD 630555)