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.
Loan-to-deposit ratio dropped 4.71 percentage points in Q2 2026, from 89.80% to 85.09%. It was the largest change from Q1 2026 among the key lines here. Within Texas, American Bank, N.A. is 93rd of 346 on loan-to-deposit ratio, 85.09% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. American Bank, N.A. sits 4.25 points higher, at 85.09% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $561.5M |
| Net loans and leases | $553.8M |
| Loans held for sale | $0 |
| Loans to total assets | 72.55% |
| Loan-to-deposit ratio | 85.09% |
| Net loans to equity capital | 6.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.64% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 15.02% |
| Consumer | 18.24% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 316.47% |
| Construction concentration (Tier 1 capital + allowance) | 25.69% |
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 | — |
| Interest income on loans | $12.9M |
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 | $313.4M | $395.2M | 42.21% | 10.27% | 31.76% |
| Q4 2023 | $317.9M | $359.0M | 43.93% | 8.41% | 31.31% |
| Q1 2024 | $326.6M | $409.6M | 42.95% | 11.38% | 29.89% |
| Q2 2024 | $352.7M | $412.2M | 45.09% | 11.39% | 27.89% |
| Q3 2024 | $392.9M | $450.0M | 46.21% | 11.57% | 25.40% |
| Q4 2024 | $397.2M | $455.8M | 46.69% | 13.61% | 24.81% |
| Q1 2025 | $443.9M | $528.0M | 49.87% | 13.22% | 21.97% |
| Q2 2025 | $451.3M | $534.7M | 47.20% | 13.37% | 23.06% |
| Q3 2025 | $489.6M | $547.4M | 45.49% | 11.90% | 23.68% |
| Q4 2025 | $527.9M | $592.5M | 44.49% | 13.92% | 21.20% |
| Q1 2026 | $549.1M | $611.5M | 44.75% | 16.54% | 18.57% |
| Q2 2026 | $561.5M | $659.8M | 45.64% | 15.02% | 18.24% |
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 21567) · FFIEC NIC profile (RSSD 494654)