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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.24 percentage points lower than in Q1 2026, at 109.00%. On loan-to-deposit ratio, American Bank, N.A. ranks 8th highest among the 225 banks headquartered in Iowa, at 109.00% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. American Bank, N.A. sits 28.16 points higher, at 109.00% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $485.1M |
| Net loans and leases | $479.4M |
| Loans held for sale | $179K |
| Loans to total assets | 91.00% |
| Loan-to-deposit ratio | 109.00% |
| Net loans to equity capital | 8.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.81% |
| Multifamily (5+ residential) | 2.38% |
| Commercial and industrial | 9.08% |
| Consumer | 0.72% |
| Credit cards | 0.00% |
| Farm | 39.68% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.06% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 40.85% |
| Construction concentration (Tier 1 capital + allowance) | 15.59% |
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 | 6.25% |
| Interest income on loans | $7.6M |
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 | $463.0M | $434.3M | 8.40% | 10.33% | 1.14% |
| Q4 2023 | $470.7M | $473.5M | 8.89% | 10.65% | 1.05% |
| Q1 2024 | $476.5M | $430.0M | 8.85% | 10.90% | 1.03% |
| Q2 2024 | $454.8M | $434.4M | 10.31% | 11.67% | 1.03% |
| Q3 2024 | $464.8M | $411.4M | 9.95% | 11.61% | 1.06% |
| Q4 2024 | $466.2M | $420.4M | 11.12% | 9.99% | 1.00% |
| Q1 2025 | $477.0M | $437.8M | 10.95% | 10.47% | 0.93% |
| Q2 2025 | $468.6M | $431.8M | 10.81% | 9.70% | 0.93% |
| Q3 2025 | $476.0M | $444.8M | 10.22% | 8.19% | 0.88% |
| Q4 2025 | $500.8M | $456.4M | 10.09% | 8.48% | 0.76% |
| Q1 2026 | $494.3M | $436.5M | 9.69% | 9.42% | 0.70% |
| Q2 2026 | $485.1M | $445.0M | 8.81% | 9.08% | 0.72% |
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 5800) · FFIEC NIC profile (RSSD 345345)