American Bank and Trust Company, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Bank and Trust Company, N.A. of Davenport, IA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.86% | 1.34% | -0.48% | 26th below |
| ROAE | 10.41% | 13.32% | -2.91% | 39th below |
| Net Interest Margin | 3.24% | 3.93% | -0.69% | 17th bottom |
| Efficiency Ratio | 74.41% | 61.13% | +13.28% | 20th bottom |
| PPNR / Avg Assets | 1.03% | 1.68% | -0.65% | 22nd bottom |
| Yield on Earning Assets | 4.76% | 5.67% | -0.91% | 15th bottom |
| Cost of Funds | 1.57% | 1.88% | -0.31% | 65th above |
| Net Interest Spread | 2.57% | 3.32% | -0.75% | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.37% | 0.94% | -0.57% | 52nd above |
| NPA / Total Assets | 0.26% | 0.70% | -0.44% | 55th above |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 87th top |
| ACL / Total Loans | 1.28% | 1.28% | +0.00% | 59th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 342.21% | 1539.28% | -1197.07% | 63rd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.39% | 7.33% | -0.94% | 34th below |
| Provision / NCO | 11.88% | 1396.47% | -1384.59% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.18% | 19.51% | -5.33% | 41st below |
| Tier 1 Ratio | 14.18% | 19.54% | -5.36% | 41st below |
| Total Capital Ratio | 15.43% | 20.63% | -5.20% | 42nd below |
| Leverage Ratio | 10.06% | 12.14% | -2.08% | 33rd below |
| Equity / Assets | 8.38% | 11.38% | -3.00% | 18th bottom |
| TCE / Tangible Assets | 8.38% | 11.09% | -2.71% | 21st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.49% | 80.63% | +4.86% | 39th below |
| Core Deposit Ratio | 94.70% | 86.86% | +7.84% | 82nd top |
| Wholesale Funding Ratio | 10.50% | 5.03% | +5.47% | 12th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.58% | 6.86% | -7.44% | 16th bottom |
| Loan Growth (Y/Y) | -0.14% | 7.91% | -8.05% | 22nd bottom |
| Deposit Growth (Y/Y) | -11.05% | 6.30% | -17.35% | 2nd bottom |
See American Bank and Trust Company, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Bank and Trust Company, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full American Bank and Trust Company, N.A. profile, how to read a UBPR, or how this data updates.