American Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
American Bank & Trust is an FDIC-insured commercial bank headquartered in Sioux Falls, SD, established in 1892 (FDIC certificate 1117), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.25B, up 14.7% from Q2 2025, the 10th largest of 56 banks headquartered in South Dakota. Its CET1 capital ratio was 15.24% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1117
- Headquarters
- Sioux Falls, SD
- Established
- 1892
- Total assets, Q2 2026
- $2.25B
- Assets vs Q2 2025
- +14.7%
- CET1 ratio, Q2 2026
- 15.24%
- Domestic offices
- 20 FDIC institution directory, current count
- Routing number
- 091407175
- Latest call report
- Q2 2026, FFIEC 051 · American Bank & Trust call report
- Holding company
- LEACKCO BANK HOLDING COMPANY, INC.
- Asset rank in state
- 10th of 56 in South Dakota
Problem loans are rising at American Bank & Trust. Its balance sheet stood at $2.2 billion at June 30, 2026, up 14.7% from a year earlier; it is based in Sioux Falls, South Dakota. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.57% of loans from 0.01% a year earlier. It grew deposits 11.9% over the year, 2.3 times the median of 5.1% for the 895 banks with $1 billion to $10 billion in assets.
The commercial and industrial book ($276 million) is worsening: 3.22% of it is past due or on nonaccrual, up from 1.33% a year earlier. Net income for the quarter rose 25% from a year earlier, to $8.1 million.
As of June 30, 2026, American Bank & Trust reported a CET1 capital ratio of 15.24%, a return on assets of 1.43%, a nonperforming-loan ratio of 0.57% and a Texas ratio of 3.56%. The figures come from its call report filed with the FFIEC.
Of the 56 banks headquartered in South Dakota, American Bank & Trust is the 10th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.2% to $2.25B, loans rose 2.0% and deposits fell 0.3%. Agricultural production loans made up 25.2% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 18.0%. Its 20 offices in the FDIC Summary of Deposits are in 17 cities across 3 states; its Pierre office books 20% of its branch deposits. Judged on its Q2 2026 call report, American Bank & Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 6810 S Minnesota Ave, Sioux Falls, SD 57108
- County
- Lincoln
- Metro Area
- Sioux Falls, SD-MN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1892
- Former names
- American State Bank (1964-2002)
- Domestic offices
- 20 FDIC institution directory, current count
- Employees (FTE)
- 219
- Domestic deposits
- $1.95B
- Allowance for credit losses
- $18.1M
- Net charge-offs (YTD)
- $86K
- Average total assets
- $2.28B
- Average total loans
- $1.58B
- Average interest-bearing deposits
- $1.71B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1117
- Fed RSSD
- 275358
- Website
- www.abt.bank →
- Parent Holding Company
- LEACKCO BANK HOLDING COMPANY, INC. (RSSD 1131406)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, American Bank & Trust's total assets ranged from $1.65B (Q3 2023) to $2.25B (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
$2.25B total assets against $1.96B; $2.00B total liabilities against $1.79B.
$1.57B net loans and leases against $1.49B; $1.95B total deposits against $1.74B.
$331.2M securities against $271.8M; $229.4M cash and balances due against $99.7M.
$31.4M total interest income against $28.2M; $10.9M total interest expense against $10.6M.
$20.5M net interest income against $17.6M.
$3.2M total noninterest income against $2.6M; $12.2M total noninterest expense against $11.0M.
$750K provision for credit losses against $465K.
$8.1M net income against $6.5M.
1.43% return on assets against 1.31%; 3.79% net interest margin against 3.75%.
15.24% CET1 capital ratio against 11.90%; 11.28% tier 1 leverage ratio against 9.29%.
Inside the full American Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAmerican Bank & Trust rankings
Its closest position to the top of a national ranking is 546 of 4,196, for total assets; its furthest is 1,693 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.06% (Q1 2025) to 1.50% (Q4 2025) and its net interest margin ran from 3.38% (Q1 2025) to 3.91% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.24% | 1.43% | 0.57% | 3.56% | 3.79% |
| Q1 2026 | 15.30% | 1.24% | 0.60% | 3.78% | 3.72% |
| Q4 2025 | 14.66% | 1.50% | 0.57% | 3.77% | 3.90% |
| Q3 2025 | 14.54% | 1.17% | 0.49% | 3.27% | 3.91% |
| Q2 2025 | 11.90% | 1.31% | 0.01% | 0.09% | 3.75% |
| Q1 2025 | 11.95% | 1.06% | 0.01% | 0.07% | 3.38% |
| Q4 2024 | 11.65% | 1.18% | 0.00% | 0.04% | 3.40% |
| Q3 2024 | 11.39% | 1.14% | 0.20% | 1.75% | 3.42% |
Swipe the table sideways to see every column.
Branch Network
View all 20 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 |
|---|---|---|---|
| Pierre Br | Pierre , SD | 57501 | $392.2M |
| Sioux Falls River Centre Branch | Sioux Falls , SD | 57104 | $253.5M |
| Huron Branch | Huron , SD | 57350 | $217.0M |
| Watertown Branch | Watertown , SD | 57201 | $159.4M |
| De Smet Branch | De Smet , SD | 57231 | $145.0M |
| Aberdeen, South Dakota Branch | Aberdeen , SD | 57401 | $120.3M |
| Miller Branch | Miller , SD | 57362 | $99.8M |
| Wessington Springs Branch | Wessington Springs , SD | 57382 | $85.1M |
| Stickney Br | Stickney , SD | 57375 | $69.7M |
| American Bank & Trust (main office) | Sioux Falls , SD | 57108 | $65.9M |
| Wolsey Branch | Wolsey , SD | 57384 | $53.9M |
| Mellette Branch | Mellette , SD | 57461 | $48.0M |
| Lennox Branch | Lennox , SD | 57039 | $47.3M |
| Tea Sd Branch | Tea , SD | 57064 | $45.7M |
| Iroquois Branch | Iroquois , SD | 57353 | $32.7M |
| Sioux Falls 41st & Sycamore Branch | Sioux Falls , SD | 57110 | $31.3M |
| Carthage Branch | Carthage , SD | 57323 | $28.6M |
| Worthington Minnesota Branch | Worthington , MN | 56187 | $23.8M |
| 26th Street Sioux Falls Sd Branch | Sioux Falls , SD | 57106 | $16.5M |
| Lisbon, Nd Branch | Lisbon , ND | 58054 | $15.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 12, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 12, 2023 | Structure Change | Acquired Valley Exchange Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2018 | Structure Change | Acquired Farmers State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 17, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 17, 2014 | Structure Change | Acquired American State Bank of Pierre Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 8, 2012 | Structure Change | Acquired Mansfield State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 7, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 3, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2011 | Structure Change | Acquired Peoples State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2000 | Structure Change | Acquired Hand County State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 18, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 15, 1994 | Structure Change | Acquired Farmers State Bank of Mellette Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 14 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in SD, rank 10 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 663 applications, 443 loans originated, $156.0M originated, across 19 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $8.0M approved, $2.0M 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 & Trust
What are American Bank & Trust's total assets?
As of the Q2 2026 filing, American Bank & Trust reported total assets of $2.25 billion in its FFIEC call report.
Where is American Bank & Trust headquartered?
It is headquartered in Sioux Falls, SD, United States.
When was American Bank & Trust founded?
It was established in 1892, per the FDIC institution directory.
Is American Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1117). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Bank & Trust?
American Bank & Trust's primary federal regulator is the FDIC.
What is American Bank & Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.24% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does American Bank & Trust operate?
It operates 20 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 & Trust's Texas Ratio?
Its Texas Ratio is 3.56% 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.
What was American Bank & Trust previously called?
The charter now named American Bank & Trust has also operated as American State Bank (1964-2002), per FDIC structure-change records.
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