American Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Bank & Trust of Sioux Falls, SD against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.43% | 1.44% | -0.01% | 62nd above |
| ROAE | 13.40% | 12.50% | +0.90% | 59th above |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.79% | 3.84% | -0.05% | 56th above |
| Efficiency Ratio | 50.76% | 58.88% | -8.12% | 74th above |
| PPNR / Avg Assets | 2.01% | 1.78% | +0.23% | 68th above |
| Yield on Earning Assets | 5.80% | 5.71% | +0.09% | 66th above |
| Cost of Funds | 2.19% | 2.03% | +0.16% | 38th below |
| Net Interest Spread | 3.25% | 3.18% | +0.07% | 63rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.54% | 0.96% | -0.42% | 55th above |
| NPA / Total Assets | 0.38% | 0.75% | -0.37% | 59th above |
| NCO / Avg Loans | 0.01% | 0.31% | -0.30% | 65th above |
| ACL / Total Loans | 1.14% | 1.25% | -0.11% | 48th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 210.36% | 699.38% | -489.02% | 57th above |
| Texas Ratio | 3.56% | 7.17% | -3.61% | 61st above |
| Provision / NCO | 1756.98% | 813.26% | +943.72% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.24% | 17.41% | -2.17% | 72nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.24% | 17.45% | -2.21% | 72nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.33% | 18.50% | -2.17% | 72nd above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.28% | 11.60% | -0.32% | 66th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.92% | 11.33% | -0.41% | 59th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.59% | 10.65% | -0.06% | 66th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.59% | 86.36% | -4.77% | 66th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.35% | 85.55% | +1.80% | 43rd below |
| Uninsured Deposit Ratio | 36.79% | 32.70% | +4.09% | 35th below |
| Wholesale Funding Ratio | 0.86% | 5.46% | -4.60% | 84th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 14.70% | 10.45% | +4.25% | 86th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.69% | 7.99% | -2.30% | 50th above |
| Deposit Growth (Y/Y) | 11.91% | 7.97% | +3.94% | 81st top |
See American Bank & Trust's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Bank & Trust, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full American Bank & Trust profile, how to read a UBPR, or how this data updates.