American Bank of Commerce
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Data as of · sourced from FFIEC call reports. How we update
American Bank of Commerce is an FDIC-insured commercial bank headquartered in Wolfforth, TX, established in 1962 (FDIC certificate 18609), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.86B, up 12.4% from Q2 2025, the 55th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.65% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18609
- Headquarters
- Wolfforth, TX
- Established
- 1962
- Total assets, Q2 2026
- $1.86B
- Assets vs Q2 2025
- +12.4%
- Tier 1 leverage ratio, Q2 2026
- 9.65%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 111323922
- Latest call report
- Q2 2026, FFIEC 041 · American Bank of Commerce call report
- Holding company
- AMERICO BANCSHARES, INC.
- Asset rank in state
- 55th of 346 in Texas
American Bank of Commerce, based in Wolfforth, Texas, reported $1.9 billion in assets at June 30, 2026, up 12.4% from a year earlier. It grew its loan book 33.3% over the year, 5.6 times the median of 5.9% for the 895 banks with $1 billion to $10 billion in assets. It also holds commercial real estate loans worth 3.4 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
Earnings jumped: net income for the quarter was $4.8 million, 35% above the same quarter a year earlier. Over the same year, loans grew 33.3% and deposits grew 5.5%.
As of June 30, 2026, American Bank of Commerce reported a return on assets of 1.02%, a nonperforming-loan ratio of 0.15% and a Texas ratio of 1.40%. The figures come from its call report filed with the FFIEC.
American Bank of Commerce ranks as the 55th largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.8% to $1.86B, loans rose 3.9% and deposits rose 4.0%. Non-owner-occupied commercial real estate loans made up 23.7% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 21.1%. Its 13 offices in the FDIC Summary of Deposits are in 7 cities across 2 states; its Austin 4 offices book 45% of its branch deposits. On its Q2 2026 call report, American Bank of Commerce meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 530 E Highway 62-82, Wolfforth, TX 79382
- County
- Lubbock
- Metro Area
- Lubbock, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- September 11, 1962
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 171
- Domestic deposits
- $1.44B
- Allowance for credit losses
- $15.3M
- Net charge-offs (YTD)
- $632K
- Average total assets
- $1.88B
- Average total loans
- $1.23B
- Average interest-bearing deposits
- $997.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 11, 1962
- FDIC Cert
- 18609
- Fed RSSD
- 215662
- SEC CIK
- 2072233 → filed by AMERICO BANCSHARES, INC.
- Website
- www.theabcbank.com →
- Parent Holding Company
- AMERICO BANCSHARES, INC. (RSSD 1107193)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, American Bank of Commerce reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
American Bank of Commerce's total assets moved between a low of $1.40B (Q2 2024) and a high of $1.86B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.86B total assets against $1.66B; $1.71B total liabilities against $1.53B.
$1.25B net loans and leases against $935.2M; $1.44B total deposits against $1.37B.
$419.1M securities against $538.7M; $91.4M cash and balances due against $94.1M.
$24.5M total interest income against $19.2M; $9.3M total interest expense against $7.7M.
$15.1M net interest income against $11.5M.
$1.1M total noninterest income against $1.2M; $9.4M total noninterest expense against $8.3M.
$825K provision for credit losses against $0.
$4.8M net income against $3.5M.
1.02% return on assets against 0.89%; 3.49% net interest margin against 3.17%.
9.65% tier 1 leverage ratio against 10.43%.
Inside the full American Bank of Commerce terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
American Bank of Commerce rankings
Its closest position to the top of a national ranking is 625 of 4,196, for total assets; its furthest is 2,510 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.55% (Q3 2024) to 1.02% (Q2 2026) and its net interest margin ran from 2.69% (Q3 2024) to 3.49% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.65% | 1.02% | 0.15% | 1.40% | 3.49% |
| Q1 2026 | 9.90% | 1.00% | 0.04% | 0.63% | 3.35% |
| Q4 2025 | 10.06% | 0.95% | 0.12% | 0.82% | 3.46% |
| Q3 2025 | 9.96% | 1.00% | 0.15% | 0.97% | 3.25% |
| Q2 2025 | 10.43% | 0.89% | 0.16% | 1.06% | 3.17% |
| Q1 2025 | 9.48% | 0.75% | 0.13% | 1.11% | 3.12% |
| Q4 2024 | 9.41% | 0.81% | 0.18% | 1.50% | 3.08% |
| Q3 2024 | 9.27% | 0.55% | 0.34% | 2.86% | 2.69% |
Swipe the table sideways to see every column.
Branch Network
View all 13 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| West Fifth Street Branch | Austin , TX | 78701 | $350.6M |
| American Bank of Commerce (main office) | Wolfforth , TX | 79382 | $272.1M |
| Slide Rd Branch | Lubbock , TX | 79424 | $236.7M |
| Lakeline Mall Drive Branch | Austin , TX | 78717 | $140.7M |
| West Braker Lane Branch | Austin , TX | 78758 | $86.1M |
| Addison Branch | Dallas , TX | 75254 | $78.4M |
| Indiana Avenue Branch | Lubbock , TX | 79423 | $77.3M |
| American Bank of Commerce Branch | Austin , TX | 78704 | $76.7M |
| 121 & Preston Branch | Plano , TX | 75024 | $46.8M |
| American Bank of Commerce Pueblo Banking Center | Pueblo , CO | 81003 | $42.6M |
| Colorado Springs Branch | Colorado Springs , CO | 80903 | $31.7M |
| North Loop Branch | Lubbock , TX | 79416 | $4.0M |
| Mobile Branch for Lubbock | Wolfforth , TX | 79382 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 88 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 163 applications, 87 loans originated, $74.4M originated, across 24 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 21 loans, $10.6M approved, $503K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about American Bank of Commerce
What are American Bank of Commerce's total assets?
As of the Q2 2026 filing, American Bank of Commerce reported total assets of $1.86 billion in its FFIEC call report.
Where is American Bank of Commerce headquartered?
It is headquartered in Wolfforth, TX, United States.
When was American Bank of Commerce founded?
It was established in 1962, per the FDIC institution directory.
Is American Bank of Commerce FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18609). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Bank of Commerce?
American Bank of Commerce's primary federal regulator is the FDIC.
How many branches does American Bank of Commerce operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Bank of Commerce's Texas Ratio?
Its Texas Ratio is 1.40% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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