American Bank of Commerce: 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.
Reserve coverage of non-performing loans dropped 4558.41 percentage points in Q2 2026, from 5943.85% to 1385.44%. It was the largest change from Q1 2026 among the key lines here. Within Texas, American Bank of Commerce is 263rd of 345 on return on assets, 1.02% as of Q2 2026, below the middle of the field. American Bank of Commerce reported 1.02% on return on assets for Q2 2026, 0.26 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.65% |
| Equity capital to assets | 7.92% |
| Tangible equity to tangible assets | 7.91% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.09% |
| Non-performing assets ratio | 0.09% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.57% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | 1385.44% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.02% |
| Return on equity | 13.31% |
| Net interest margin | 3.49% |
| Efficiency ratio | 57.48% |
| Yield on earning assets | 5.62% |
| Cost of funds | 2.25% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.48% |
| Core deposits to total deposits | 85.93% |
| Brokered deposits to total deposits | 6.23% |
| Deposits to assets | 77.53% |
| Securities to assets | 22.51% |
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 | 11.82% | 11.82% | 12.88% | 8.49% | 0.52% |
| Q4 2023 | 12.26% | 12.26% | 13.38% | 8.74% | 0.61% |
| Q1 2024 | 12.58% | 12.58% | 13.75% | 9.03% | 0.49% |
| Q2 2024 | 12.91% | 12.91% | 14.11% | 9.41% | 0.50% |
| Q3 2024 | 12.83% | 12.83% | 13.97% | 9.27% | 0.55% |
| Q4 2024 | 12.89% | 12.89% | 13.99% | 9.41% | 0.81% |
| Q1 2025 | 12.57% | 12.57% | 13.65% | 9.48% | 0.75% |
| Q2 2025 | 13.88% | 13.88% | 14.92% | 10.43% | 0.89% |
| Q3 2025 | 13.79% | 13.79% | 14.84% | 9.96% | 1.00% |
| Q4 2025 | 13.14% | 13.14% | 14.18% | 10.06% | 0.95% |
| Q1 2026 | 12.04% | 12.04% | 13.02% | 9.90% | 1.00% |
| Q2 2026 | — | — | — | 9.65% | 1.02% |
American Bank of Commerce vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American Bank of Commerce, 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 of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18609) · FFIEC NIC profile (RSSD 215662)