American Bank, N.A. (Le Mars, IA)
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Data as of · sourced from FFIEC call reports. How we update
American Bank, N.A. is an FDIC-insured commercial bank headquartered in Le Mars, IA, established in 1887 (FDIC certificate 5800), and it is supervised by the OCC. At Q2 2026 it reported total assets of $533.0M, up 0.8% from Q2 2025, the 57th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 11.95% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5800
- Headquarters
- Le Mars, IA
- Established
- 1887
- Total assets, Q2 2026
- $533.0M
- Assets vs Q2 2025
- +0.8%
- CET1 ratio, Q2 2026
- 11.95%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 073906131
- Latest call report
- Q2 2026, FFIEC 041 · American Bank, N.A. call report
- Holding company
- AMBANK COMPANY, INC.
- Asset rank in state
- 57th of 225 in Iowa
American Bank, N.A., based in Le Mars, Iowa, reported $533 million in assets at June 30, 2026. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 47 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $2.7 million, 60% above the same quarter a year earlier. Funding is the softer spot: it pays an average of 2.52% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, American Bank, N.A. reported a CET1 capital ratio of 11.95%, a return on assets of 2.02%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.03%. The figures come from its call report filed with the FFIEC.
American Bank, N.A. ranks as the 57th largest of the 225 banks based in Iowa, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.5% to $533.0M, loans fell 1.9% and deposits rose 1.9%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 39.7% of total loans, ahead of agricultural production loans at 28.7%. Its 2 offices in the FDIC Summary of Deposits are in Le Mars, IA and Remsen, IA; its Le Mars office books 73% of its branch deposits. On its Q2 2026 call report, American Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 234 5th Ave Sw, Le Mars, IA 51031
- County
- Plymouth
- Metro Area
- Le Mars, IA
- 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 041
- Established
- January 1, 1887
- Former names
- First Trust & Savings Bank, National Association (1991-1995)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 51
- Domestic deposits
- $445.0M
- Allowance for credit losses
- $5.7M
- Net charge-offs (YTD)
- -$94K
- Average total assets
- $539.3M
- Average total loans
- $490.1M
- Average interest-bearing deposits
- $397.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5800
- Fed RSSD
- 345345
- Website
- www.am-bank.com →
- Parent Holding Company
- AMBANK COMPANY, INC. (RSSD 1201457)
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. 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
Over the 12 quarters to Q2 2026, American Bank, N.A.'s total assets ran between $528.6M (Q2 2025) and $554.1M (Q4 2025), 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
$533.0M total assets against $528.6M; $474.9M total liabilities against $474.9M.
$479.4M net loans and leases against $463.3M; $445.0M total deposits against $431.8M.
$4.7M securities against $6.4M; $25.5M cash and balances due against $33.0M.
$7.9M total interest income against $7.6M; $3.0M total interest expense against $3.5M.
$4.9M net interest income against $4.1M.
$573K total noninterest income against $501K; $2.6M total noninterest expense against $2.8M.
$100K provision for credit losses against $55K.
$2.7M net income against $1.7M.
2.02% return on assets against 1.27%; 3.83% net interest margin against 3.27%.
11.95% CET1 capital ratio against 11.30%; 10.68% tier 1 leverage ratio against 9.93%.
Inside the full American Bank, 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
American Bank, N.A. rankings
Its closest position to the top of a national ranking is 469 of 3,611, for ROA; its furthest is 3,306 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.79% (Q4 2024) to 2.02% (Q2 2026) and its net interest margin ran from 2.94% (Q4 2024) to 3.83% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.95% | 2.02% | 0.00% | 0.03% | 3.83% |
| Q1 2026 | 11.48% | 1.69% | 0.01% | 0.07% | 3.58% |
| Q4 2025 | 11.39% | 1.90% | 0.10% | 0.77% | 3.46% |
| Q3 2025 | 11.37% | 1.66% | 0.10% | 0.80% | 3.48% |
| Q2 2025 | 11.30% | 1.27% | 0.10% | 0.77% | 3.27% |
| Q1 2025 | 11.11% | 1.21% | 0.16% | 1.35% | 3.05% |
| Q4 2024 | 11.17% | 0.79% | 0.14% | 1.14% | 2.94% |
| Q3 2024 | 10.87% | 1.42% | 0.17% | 1.36% | 2.95% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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, N.A. (main office) | Le Mars , IA | 51031 | $324.5M |
| Remsen Branch | Remsen , IA | 51050 | $120.5M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 3 against individuals associated with it
- December 2, 1992, OCC: Formal Agreement: American Bank, N.A.
- Period: Most recent institution action December 2, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in IA, rank 63 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 128 applications, 117 loans originated, $14.7M originated, across 5 states
- Period: Calendar year 2018. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $115K approved, $115K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (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, N.A.
What are American Bank, N.A.'s total assets?
As of the Q2 2026 filing, American Bank, N.A. reported total assets of $533.0 million in its FFIEC call report.
Where is American Bank, N.A. headquartered?
It is headquartered in Le Mars, IA, United States.
When was American Bank, N.A. founded?
It was established in 1887, per the FDIC institution directory.
Is American Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5800). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Bank, N.A.?
American Bank, N.A.'s primary federal regulator is the OCC.
What is American Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.95% in its Q2 2026 call report, above regulatory requirements.
How many branches does American Bank, N.A. operate?
It operates 2 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, N.A.'s Texas Ratio?
Its Texas Ratio is 0.03% 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.
What was American Bank, N.A. previously called?
The charter now named American Bank, N.A. has also operated as First Trust & Savings Bank, National Association (1991-1995), per FDIC structure-change records.
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