American Bank, 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%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.47 percentage points to 10.91%. Within Iowa, American Bank, N.A. is 86th of 114 on CET1 ratio, 11.95% as of Q2 2026, below the middle of the field. American Bank, N.A. reported 11.95% on CET1 ratio for Q2 2026, 3.13 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.95% |
| Tier 1 risk-based capital ratio | 11.95% |
| Total risk-based capital ratio | 13.13% |
| Tier 1 leverage ratio | 10.68% |
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 | $57.5M |
| Tier 1 capital | $57.5M |
| Total risk-based capital | $63.2M |
| Total equity capital | $58.2M |
| Risk-weighted assets | $481.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.91% |
| Tangible equity to tangible assets | 10.81% |
| Equity capital to average assets | 10.79% |
| Internal capital growth rate | 7.50% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $4.7M |
| Retained earnings | $53.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $22K |
| 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 | 9.96% | 9.96% | 11.08% | 9.28% | $474.3M |
| Q4 2023 | 10.32% | 10.32% | 11.44% | 9.08% | $477.6M |
| Q1 2024 | 10.44% | 10.44% | 11.55% | 9.32% | $482.0M |
| Q2 2024 | 10.81% | 10.81% | 11.97% | 9.05% | $459.1M |
| Q3 2024 | 10.87% | 10.87% | 12.00% | 9.60% | $470.8M |
| Q4 2024 | 11.17% | 11.17% | 12.30% | 9.79% | $467.7M |
| Q1 2025 | 11.11% | 11.11% | 12.22% | 9.82% | $477.0M |
| Q2 2025 | 11.30% | 11.30% | 12.44% | 9.93% | $469.8M |
| Q3 2025 | 11.37% | 11.37% | 12.50% | 10.32% | $477.1M |
| Q4 2025 | 11.39% | 11.39% | 12.46% | 10.57% | $499.0M |
| Q1 2026 | 11.48% | 11.48% | 12.61% | 10.31% | $491.6M |
| Q2 2026 | 11.95% | 11.95% | 13.13% | 10.68% | $481.5M |
American Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock American Bank, 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5800) · FFIEC NIC profile (RSSD 345345)