American Bank 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.
Cre concentration (tier 1 capital + allowance) dropped 7.99 percentage points in Q2 2026, from 240.73% to 232.74%. It was the largest change from Q1 2026 among the key lines here. American Bank N.A. ranks 72nd of 346 Texas banks on loan-to-deposit ratio, in the upper half at 87.28% (Q2 2026). American Bank N.A. reported 87.28% on loan-to-deposit ratio for Q2 2026, 6.44 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $486.2M |
| Net loans and leases | $480.7M |
| Loans held for sale | $0 |
| Loans to total assets | 77.77% |
| Loan-to-deposit ratio | 87.28% |
| Net loans to equity capital | 7.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.63% |
| Multifamily (5+ residential) | 2.05% |
| Commercial and industrial | 10.58% |
| Consumer | 0.74% |
| Credit cards | 0.00% |
| Farm | 1.88% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.40% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 232.74% |
| Construction concentration (Tier 1 capital + allowance) | 81.78% |
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 | 6.34% |
| Interest income on loans | $7.7M |
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 | $451.3M | $572.6M | 32.82% | 10.09% | 1.22% |
| Q4 2023 | $456.6M | $569.9M | 32.36% | 10.40% | 1.34% |
| Q1 2024 | $455.3M | $540.2M | 33.12% | 10.55% | 1.11% |
| Q2 2024 | $466.8M | $538.5M | 32.54% | 11.53% | 1.10% |
| Q3 2024 | $465.0M | $535.3M | 33.37% | 11.53% | 1.04% |
| Q4 2024 | $473.6M | $539.2M | 34.56% | 10.35% | 0.97% |
| Q1 2025 | $461.5M | $541.3M | 34.43% | 9.00% | 0.89% |
| Q2 2025 | $470.0M | $550.4M | 33.41% | 8.80% | 0.86% |
| Q3 2025 | $479.0M | $569.7M | 32.26% | 9.58% | 0.79% |
| Q4 2025 | $474.6M | $560.1M | 33.72% | 8.85% | 0.75% |
| Q1 2026 | $483.1M | $561.5M | 33.42% | 9.34% | 0.80% |
| Q2 2026 | $486.2M | $557.1M | 33.63% | 10.58% | 0.74% |
American Bank N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American Bank 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 N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23886) · FFIEC NIC profile (RSSD 307361)