American Bank and Trust Company: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 4.77 percentage points higher than in Q1 2026, at 39.28%. American Bank and Trust Company ranks 104th of 169 Oklahoma banks on return on assets, in the lower half at 1.20% (Q2 2026). American Bank and Trust Company reported 1.20% on return on assets for Q2 2026, 0.05 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.32% |
| Equity capital to assets | 15.54% |
| Tangible equity to tangible assets | 15.54% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.95% |
| Non-performing assets ratio | 2.10% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 25.16% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 39.28% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.20% |
| Return on equity | 7.98% |
| Net interest margin | 4.03% |
| Efficiency ratio | 56.65% |
| Yield on earning assets | 5.95% |
| Cost of funds | 2.16% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.39% |
| Core deposits to total deposits | 79.54% |
| Brokered deposits to total deposits | 5.22% |
| Deposits to assets | 82.87% |
| Securities to assets | 25.94% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.01% | 1.19% | 3.93% | 0.00% | 0.00% |
| Q4 2023 | 13.61% | 1.73% | 4.33% | 0.00% | 0.02% |
| Q1 2024 | 13.90% | 1.34% | 3.79% | 0.00% | 0.01% |
| Q2 2024 | 14.25% | 1.47% | 4.21% | 0.00% | 0.14% |
| Q3 2024 | 14.17% | 1.50% | 4.15% | 0.00% | -0.00% |
| Q4 2024 | 14.32% | 2.06% | 4.81% | 0.00% | -0.14% |
| Q1 2025 | 14.70% | 1.91% | 4.40% | 0.00% | 0.12% |
| Q2 2025 | 15.31% | 1.84% | 4.59% | 0.00% | -0.00% |
| Q3 2025 | 14.21% | -1.10% | 4.20% | 0.48% | 1.97% |
| Q4 2025 | 13.94% | 1.48% | 3.95% | 3.01% | 0.09% |
| Q1 2026 | 15.08% | 1.55% | 3.96% | 2.96% | 0.60% |
| Q2 2026 | 15.32% | 1.20% | 4.03% | 2.95% | -0.02% |
American Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20537) · FFIEC NIC profile (RSSD 452159)