American Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 15011.46 percentage points higher than in Q1 2026, at 28470.00%. Within Iowa, American Bank, N.A. is 30th of 225 on return on assets, 2.02% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, American Bank, N.A. reported 2.02% on return on assets in Q2 2026, 0.76 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.95% |
| Tier 1 risk-based capital ratio | 11.95% |
| Total risk-based capital ratio | 13.13% |
| Tier 1 leverage ratio | 10.68% |
| Equity capital to assets | 10.91% |
| Tangible equity to tangible assets | 10.81% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.06% |
| Texas ratio | 0.03% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 28470.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.02% |
| Return on equity | 18.88% |
| Net interest margin | 3.83% |
| Efficiency ratio | 46.55% |
| Yield on earning assets | 6.15% |
| Cost of funds | 2.52% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.00% |
| Core deposits to total deposits | 82.23% |
| Brokered deposits to total deposits | 3.80% |
| Deposits to assets | 83.49% |
| Securities to assets | 0.87% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 9.96% | 9.96% | 11.08% | 9.28% | 1.34% |
| Q4 2023 | 10.32% | 10.32% | 11.44% | 9.08% | 1.50% |
| Q1 2024 | 10.44% | 10.44% | 11.55% | 9.32% | 1.20% |
| Q2 2024 | 10.81% | 10.81% | 11.97% | 9.05% | 0.44% |
| Q3 2024 | 10.87% | 10.87% | 12.00% | 9.60% | 1.42% |
| Q4 2024 | 11.17% | 11.17% | 12.30% | 9.79% | 0.79% |
| Q1 2025 | 11.11% | 11.11% | 12.22% | 9.82% | 1.21% |
| Q2 2025 | 11.30% | 11.30% | 12.44% | 9.93% | 1.27% |
| Q3 2025 | 11.37% | 11.37% | 12.50% | 10.32% | 1.66% |
| Q4 2025 | 11.39% | 11.39% | 12.46% | 10.57% | 1.90% |
| Q1 2026 | 11.48% | 11.48% | 12.61% | 10.31% | 1.69% |
| Q2 2026 | 11.95% | 11.95% | 13.13% | 10.68% | 2.02% |
American Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)