American Bank, 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, N.A. of Le Mars, 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 | 2.02% | 1.35% | +0.67% | 86th top |
| ROAE | 18.88% | 12.05% | +6.83% | 83rd top |
| Net Interest Margin | 3.83% | 3.90% | -0.07% | 44th below |
| Efficiency Ratio | 46.55% | 63.16% | -16.61% | 87th top |
| PPNR / Avg Assets | 2.17% | 1.64% | +0.53% | 79th top |
| Yield on Earning Assets | 6.15% | 5.65% | +0.50% | 75th top |
| Cost of Funds | 2.52% | 1.85% | +0.67% | 15th bottom |
| Net Interest Spread | 3.38% | 3.35% | +0.03% | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 85th top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 86th top |
| NCO / Avg Loans | -0.06% | 0.15% | -0.21% | 95th top |
| ACL / Total Loans | 1.17% | 1.28% | -0.11% | 47th below |
| ACL / NPLs (Coverage) | 28470.00% | 1633.72% | +26836.28% | — |
| Texas Ratio | 0.03% | 7.15% | -7.12% | 89th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.95% | 20.84% | -8.89% | 17th bottom |
| Tier 1 Ratio | 11.95% | 20.87% | -8.92% | 17th bottom |
| Total Capital Ratio | 13.13% | 21.94% | -8.81% | 18th bottom |
| Leverage Ratio | 10.68% | 12.46% | -1.78% | 45th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.91% | 11.67% | -0.76% | 59th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.81% | 11.40% | -0.59% | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 109.00% | 78.63% | +30.37% | 4th bottom |
| Core Deposit Ratio | 82.23% | 87.10% | -4.87% | 21st bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 5.07% | 5.11% | -0.04% | 38th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.85% | 6.48% | -5.63% | 24th bottom |
| Loan Growth (Y/Y) | 3.51% | 7.64% | -4.13% | 40th below |
| Deposit Growth (Y/Y) | 3.07% | 6.02% | -2.95% | 43rd below |
See American Bank, 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, 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, N.A. profile, how to read a UBPR, or how this data updates.