American Bank & Trust: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings rose 6.6% from Q1 2026 to Q2 2026, ending at $105.8M against $99.3M. It was the largest change among the key lines on this page. American Bank & Trust ranks 20th of 36 South Dakota banks on CET1 ratio, in the lower half at 15.24% (Q2 2026). American Bank & Trust reported 15.24% on CET1 ratio for Q2 2026, 1.76 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.24% |
| Tier 1 risk-based capital ratio | 15.24% |
| Total risk-based capital ratio | 16.33% |
| Tier 1 leverage ratio | 11.28% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $256.0M |
| Tier 1 capital | $256.0M |
| Total risk-based capital | $274.2M |
| Total equity capital | $245.5M |
| Risk-weighted assets | $1.68B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.92% |
| Tangible equity to tangible assets | 10.59% |
| Equity capital to average assets | 10.77% |
| Internal capital growth rate | 10.85% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.4M |
| Common stock surplus | $157.2M |
| Retained earnings | $105.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$18.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.34% | 10.34% | 11.24% | 9.20% | $1.46B |
| Q4 2023 | 10.64% | 10.64% | 11.55% | 8.93% | $1.45B |
| Q1 2024 | 10.64% | 10.64% | 11.56% | 8.97% | $1.49B |
| Q2 2024 | 11.26% | 11.26% | 12.23% | 9.28% | $1.44B |
| Q3 2024 | 11.39% | 11.39% | 12.36% | 9.37% | $1.47B |
| Q4 2024 | 11.65% | 11.65% | 12.63% | 9.01% | $1.48B |
| Q1 2025 | 11.95% | 11.95% | 12.96% | 9.17% | $1.48B |
| Q2 2025 | 11.90% | 11.90% | 12.90% | 9.29% | $1.54B |
| Q3 2025 | 14.54% | 14.54% | 15.56% | 11.47% | $1.57B |
| Q4 2025 | 14.66% | 14.66% | 15.71% | 11.18% | $1.61B |
| Q1 2026 | 15.30% | 15.30% | 16.37% | 11.49% | $1.63B |
| Q2 2026 | 15.24% | 15.24% | 16.33% | 11.28% | $1.68B |
American Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock American Bank & Trust, freeSource: Call Report Schedule RC-R, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1117) · FFIEC NIC profile (RSSD 275358)