American Bank and Trust Company, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Retained earnings rose 6.6% in Q2 2026 to $10.5M, the biggest move on this page. American Bank and Trust Company, N.A. ranks 53rd of 114 Iowa banks on CET1 ratio, in the upper half at 14.18% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. American Bank and Trust Company, N.A. sits 0.89 points lower, at 14.18% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.18% |
| Tier 1 risk-based capital ratio | 14.18% |
| Total risk-based capital ratio | 15.43% |
| Tier 1 leverage ratio | 10.06% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $47.9M |
| Tier 1 capital | $47.9M |
| Total risk-based capital | $52.2M |
| Total equity capital | $40.3M |
| Risk-weighted assets | $338.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.38% |
| Tangible equity to tangible assets | 8.38% |
| Equity capital to average assets | 8.40% |
| Internal capital growth rate | 6.63% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.6M |
| Common stock surplus | $38.9M |
| Retained earnings | $10.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.6M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.28% | 12.28% | 13.29% | 8.55% | $363.4M |
| Q4 2023 | 12.41% | 12.41% | 13.48% | 8.59% | $362.8M |
| Q1 2024 | 13.21% | 13.21% | 14.43% | 9.21% | $365.3M |
| Q2 2024 | 13.67% | 13.67% | 14.92% | 9.11% | $355.0M |
| Q3 2024 | 13.95% | 13.95% | 15.20% | 9.23% | $349.9M |
| Q4 2024 | 14.34% | 14.34% | 15.60% | 9.33% | $337.1M |
| Q1 2025 | 14.42% | 14.42% | 15.67% | 9.55% | $331.6M |
| Q2 2025 | 14.69% | 14.69% | 15.94% | 9.76% | $327.7M |
| Q3 2025 | 15.45% | 15.45% | 16.70% | 10.32% | $325.8M |
| Q4 2025 | 13.02% | 13.02% | 14.25% | 10.22% | $368.3M |
| Q1 2026 | 14.59% | 14.59% | 15.84% | 10.16% | $324.1M |
| Q2 2026 | 14.18% | 14.18% | 15.43% | 10.06% | $338.1M |
American Bank and Trust Company, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock American Bank and Trust Company, N.A., freeSource: Call Report Schedule RC-R, 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34955) · FFIEC NIC profile (RSSD 2733263)