American Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Bank of Bozeman, MT against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.39% | 1.34% | +0.05% | 57th above |
| ROAE | 14.60% | 13.31% | +1.29% | 64th above |
| Net Interest Margin | 4.17% | 3.93% | +0.24% | 63rd above |
| Efficiency Ratio | 65.66% | 61.14% | +4.52% | 38th below |
| PPNR / Avg Assets | 1.39% | 1.68% | -0.29% | 38th below |
| Yield on Earning Assets | 5.58% | 5.67% | -0.09% | 49th below |
| Cost of Funds | 1.49% | 1.88% | -0.39% | 70th above |
| Net Interest Spread | 3.46% | 3.32% | +0.14% | 57th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.26% | 0.94% | -0.68% | 60th above |
| NPA / Total Assets | 0.16% | 0.70% | -0.54% | 63rd above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 51st above |
| ACL / Total Loans | 1.67% | 1.28% | +0.39% | 86th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 641.39% | 1539.27% | -897.88% | 76th top |
| Texas Ratio | 1.57% | 7.33% | -5.76% | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.36% | 19.51% | -4.15% | 52nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.36% | 19.54% | -4.18% | 52nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.61% | 20.63% | -4.02% | 53rd above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.12% | 12.14% | -1.02% | 53rd above |
| Equity / Assets | 9.40% | 11.38% | -1.98% | 34th below |
| TCE / Tangible Assets | 9.40% | 11.09% | -1.69% | 38th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.31% | 80.64% | -10.33% | 70th above |
| Core Deposit Ratio | 97.17% | 86.85% | +10.32% | 93rd top |
| Wholesale Funding Ratio | 0.01% | 5.04% | -5.03% | 100th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.18% | 6.86% | -7.04% | 18th bottom |
| Loan Growth (Y/Y) | -3.35% | 7.91% | -11.26% | 11th bottom |
| Deposit Growth (Y/Y) | 0.21% | 6.29% | -6.08% | 24th bottom |
See American Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full American Bank profile, how to read a UBPR, or how this data updates.