American Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) dropped 10.03 percentage points in Q2 2026, from 78.46% to 68.43%. It was the largest change from Q1 2026 among the key lines here. Within Montana, American Bank is 21st of 35 on loan-to-deposit ratio, 70.31% as of Q2 2026, below the middle of the field. American Bank reported 70.31% on loan-to-deposit ratio for Q2 2026, 10.53 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $396.5M |
| Net loans and leases | $389.9M |
| Loans held for sale | $0 |
| Loans to total assets | 62.90% |
| Loan-to-deposit ratio | 70.31% |
| Net loans to equity capital | 6.58% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.02% |
| Multifamily (5+ residential) | 5.89% |
| Commercial and industrial | 24.28% |
| Consumer | 0.15% |
| Credit cards | 0.00% |
| Farm | 3.85% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.69% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 181.18% |
| Construction concentration (Tier 1 capital + allowance) | 68.43% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.97% |
| Interest income on loans | $6.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $399.8M | $569.7M | 37.55% | 17.60% | 0.22% |
| Q4 2023 | $404.4M | $545.2M | 34.36% | 21.12% | 0.17% |
| Q1 2024 | $399.0M | $545.1M | 33.93% | 21.35% | 0.15% |
| Q2 2024 | $408.2M | $544.2M | 36.21% | 19.61% | 0.12% |
| Q3 2024 | $400.7M | $552.5M | 39.56% | 15.57% | 0.13% |
| Q4 2024 | $401.5M | $584.4M | 38.97% | 18.79% | 0.15% |
| Q1 2025 | $408.5M | $592.0M | 37.64% | 17.93% | 0.13% |
| Q2 2025 | $410.3M | $562.8M | 39.71% | 20.64% | 0.13% |
| Q3 2025 | $409.4M | $558.5M | 38.04% | 19.33% | 0.14% |
| Q4 2025 | $392.2M | $563.6M | 36.15% | 20.10% | 0.15% |
| Q1 2026 | $386.8M | $543.3M | 36.07% | 21.13% | 0.13% |
| Q2 2026 | $396.5M | $564.0M | 35.02% | 24.28% | 0.15% |
American Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American Bank, freeSource: Call Report Schedule RC-C, 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)