American Bank and Trust Company, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 9.94 percentage points higher than in Q1 2026, at 43.99%. American Bank and Trust Company, N.A. ranks 97th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 85.49% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. American Bank and Trust Company, N.A. sits 4.55 points higher, at 85.49% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $331.5M |
| Net loans and leases | $327.3M |
| Loans held for sale | $1.3M |
| Loans to total assets | 68.94% |
| Loan-to-deposit ratio | 85.49% |
| Net loans to equity capital | 8.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.79% |
| Multifamily (5+ residential) | 9.17% |
| Commercial and industrial | 18.42% |
| Consumer | 1.49% |
| Credit cards | 0.00% |
| Farm | 0.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.39% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 214.48% |
| Construction concentration (Tier 1 capital + allowance) | 43.99% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.63% |
| Interest income on loans | $4.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $363.9M | $450.4M | 35.64% | 20.19% | 2.12% |
| Q4 2023 | $367.5M | $466.2M | 38.82% | 19.05% | 2.01% |
| Q1 2024 | $369.7M | $486.5M | 38.34% | 19.78% | 1.94% |
| Q2 2024 | $362.0M | $462.9M | 38.37% | 19.12% | 1.90% |
| Q3 2024 | $362.7M | $458.1M | 37.51% | 20.08% | 1.76% |
| Q4 2024 | $340.1M | $470.6M | 39.44% | 19.75% | 1.53% |
| Q1 2025 | $335.4M | $435.0M | 41.99% | 19.58% | 1.41% |
| Q2 2025 | $332.0M | $435.9M | 40.24% | 19.23% | 1.72% |
| Q3 2025 | $330.3M | $409.4M | 40.38% | 18.13% | 1.50% |
| Q4 2025 | $322.0M | $417.7M | 39.92% | 16.85% | 1.00% |
| Q1 2026 | $324.5M | $399.8M | 39.77% | 16.87% | 1.41% |
| Q2 2026 | $331.5M | $387.8M | 37.79% | 18.42% | 1.49% |
American Bank and Trust Company, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American Bank and Trust Company, N.A., freeSource: Call Report Schedule RC-C, 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)