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.
Reserve coverage of non-performing loans climbed 2.38 percentage points in Q2 2026, from 639.02% to 641.39%. It was the largest change from Q1 2026 among the key lines here. Within Montana, American Bank is 20th of 35 on return on assets, 1.39% 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 0.13 points higher, at 1.39% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.36% |
| Tier 1 risk-based capital ratio | 15.36% |
| Total risk-based capital ratio | 16.61% |
| Tier 1 leverage ratio | 11.12% |
| Equity capital to assets | 9.40% |
| Tangible equity to tangible assets | 9.40% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.26% |
| Non-performing assets ratio | 0.16% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.57% |
| Allowance for credit losses to loans | 1.67% |
| Reserve coverage of non-performing loans | 641.39% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.39% |
| Return on equity | 14.60% |
| Net interest margin | 4.17% |
| Efficiency ratio | 65.66% |
| Yield on earning assets | 5.58% |
| Cost of funds | 1.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.31% |
| Core deposits to total deposits | 97.17% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.47% |
| Securities to assets | 19.88% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.09% | 12.09% | 13.34% | 8.93% | 1.24% |
| Q4 2023 | 12.20% | 12.20% | 13.45% | 8.97% | 1.19% |
| Q1 2024 | 12.64% | 12.64% | 13.90% | 9.28% | 1.08% |
| Q2 2024 | 12.68% | 12.68% | 13.93% | 9.43% | 0.96% |
| Q3 2024 | 13.34% | 13.34% | 14.59% | 9.59% | 1.32% |
| Q4 2024 | 13.63% | 13.63% | 14.88% | 9.47% | 1.51% |
| Q1 2025 | 13.71% | 13.71% | 14.96% | 9.49% | 1.16% |
| Q2 2025 | 13.86% | 13.86% | 15.11% | 9.97% | 1.40% |
| Q3 2025 | 14.39% | 14.39% | 15.64% | 10.32% | 2.06% |
| Q4 2025 | 15.35% | 15.35% | 16.60% | 10.33% | 1.92% |
| Q1 2026 | 15.54% | 15.54% | 16.80% | 10.91% | 1.36% |
| Q2 2026 | 15.36% | 15.36% | 16.61% | 11.12% | 1.39% |
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 20311) · FFIEC NIC profile (RSSD 630555)