American Bank and Trust Company, N.A. (Davenport, IA)
American Bank and Trust Company, N.A. is an FDIC-insured commercial bank headquartered in Davenport, IA, supervised by the OCC, with $480.9M in total assets at Q2 2026, down 0.6% from Q2 2025, the 67th largest of 225 banks headquartered in Iowa. It was established in 1999 and holds FDIC certificate 34955. Its CET1 capital ratio was 14.18% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
Also written as AB&T
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 34955
- Headquarters
- Davenport, IA
- Established
- 1999
- Total assets, Q2 2026
- $480.9M
- Assets vs Q2 2025
- -0.6%
- CET1 ratio, Q2 2026
- 14.18%
- Domestic offices
- 8 · American Bank and Trust Company, N.A. branches FDIC institution directory, current count
- Routing number
- 071108834
- Safety and soundness
- Is American Bank and Trust Company, N.A. safe?
- Latest call report
- Q2 2026, FFIEC 051 · American Bank and Trust Company, N.A. Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- AMBANK HOLDINGS, INC.
- Asset rank in state
- 67th of 225 in Iowa
American Bank and Trust Company, N.A., based in Davenport, Iowa, reported $481 million in assets at June 30, 2026. It lost 11.0% of its deposits over the year, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 4.1%). It also keeps 3.24 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.96 cents).
Earnings jumped: net income for the quarter was $1.0 million, 105% above the same quarter a year earlier. Its $61 million commercial and industrial book is improving, with 3.18% past due or on nonaccrual, down from 9.27% a year earlier. Costs are the weak spot: it spends about 74 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, American Bank and Trust Company, N.A. reported a CET1 capital ratio of 14.18%, a return on assets of 0.86%, a nonperforming-loan ratio of 0.86% and a Texas ratio of 6.39%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, American Bank and Trust Company, N.A. is the 67th largest of the 225 banks headquartered in Iowa. From Q1 2026 to Q2 2026, its total assets rose 3.4% to $480.9M, loans rose 2.2% and deposits fell 3.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 25.7% of total loans, ahead of owner-occupied commercial real estate loans at 20.1%. Its 6 offices in the FDIC Summary of Deposits are in 4 cities across 2 states; its Davenport office books 45% of its branch deposits. Judged on its Q2 2026 call report, American Bank and Trust Company, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 4301 E 53rd St, Davenport, IA 52807
- County
- Scott
- Metro Area
- Davenport-Moline-Rock Island, IA-IL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 5, 1999
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 80
- Domestic deposits
- $387.8M
- Allowance for credit losses
- $4.2M
- Net charge-offs (YTD)
- $303K
- Average total assets
- $479.7M
- Average total loans
- $329.7M
- Average interest-bearing deposits
- $292.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 5, 1999
- FDIC Cert
- 34955
- Fed RSSD
- 2733263
- SEC CIK
- 1478444 → filed by AMBANK HOLDINGS, INC.
- Website
- www.goambank.com →
- Parent Holding Company
- AMBANK HOLDINGS, INC. (RSSD 1138610)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
American Bank and Trust Company, N.A.'s total assets moved between a low of $464.9M (Q1 2026) and a high of $546.0M (Q1 2024) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$480.9M total assets against $483.6M; $440.6M total liabilities against $447.5M.
$327.3M net loans and leases against $327.4M; $387.8M total deposits against $435.9M.
$102.4M securities against $103.1M; $12.9M cash and balances due against $21.8M.
$5.3M total interest income against $5.4M; $1.7M total interest expense against $1.8M.
$3.6M net interest income against $3.6M.
$1.4M total noninterest income against $1.0M; $3.7M total noninterest expense against $4.0M.
$36K provision for credit losses against $0.
$1.0M net income against $503K.
0.86% return on assets against 0.41%; 3.24% net interest margin against 2.70%.
14.18% CET1 capital ratio against 14.69%; 10.06% tier 1 leverage ratio against 9.76%.
Inside the full American Bank and Trust Company, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
American Bank and Trust Company, N.A. rankings
Its closest position to the top of a national ranking is 1,062 of 3,640, for Texas Ratio; its furthest is 3,013 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.02% (Q4 2024) to 0.86% (Q2 2026) and its net interest margin ran from 2.70% (Q2 2025) to 3.24% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.18% | 0.86% | 0.86% | 6.39% | 3.24% |
| Q1 2026 | 14.59% | 0.69% | 0.54% | 4.08% | 3.17% |
| Q4 2025 | 13.02% | 0.52% | 0.04% | 0.36% | 3.13% |
| Q3 2025 | 15.45% | 0.77% | 0.58% | 4.86% | 3.03% |
| Q2 2025 | 14.69% | 0.41% | 0.74% | 6.04% | 2.70% |
| Q1 2025 | 14.42% | 0.06% | 0.37% | 3.21% | 3.10% |
| Q4 2024 | 14.34% | 0.02% | 0.22% | 1.97% | 3.06% |
| Q3 2024 | 13.95% | 0.61% | 0.19% | 1.80% | 2.96% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| American Bank and Trust Company, N.A. (main office) | Davenport , IA | 52807 | $173.7M |
| Rock Island Branch | Rock Island , IL | 61201 | $97.6M |
| KanelandElburn Branch | Elburn , IL | 60119 | $42.5M |
| Downtown Ri Branch | Rock Island , IL | 61201 | $38.9M |
| Moline Branch | Moline , IL | 61265 | $33.1M |
| Friendship Manor | Rock Island , IL | 61201 | $1.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 7, 2002 | Structure Change | Acquired Kaneland Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 6, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 5, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 5, 1999 | Structure Change | Acquired American Bank of Rock Island Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 3 against individuals associated with it
- August 17, 2009, OCC: Formal Agreement: American Bank and Trust Company, National Association
- Period: Most recent institution action August 17, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in IA, rank 152 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 263 applications, 222 loans originated, $48.7M originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about American Bank and Trust Company, N.A.
What are American Bank and Trust Company, N.A.'s total assets?
As of the Q2 2026 filing, American Bank and Trust Company, N.A. reported total assets of $480.9 million in its FFIEC call report.
Where is American Bank and Trust Company, N.A. headquartered?
It is headquartered in Davenport, IA, United States.
When was American Bank and Trust Company, N.A. founded?
It was established in 1999, per the FDIC institution directory.
Is American Bank and Trust Company, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34955). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Bank and Trust Company, N.A.?
American Bank and Trust Company, N.A.'s primary federal regulator is the OCC.
What is American Bank and Trust Company, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.18% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does American Bank and Trust Company, N.A. operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Bank and Trust Company, N.A.'s Texas Ratio?
Its Texas Ratio is 6.39% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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