American Bank & Trust: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 9.52 percentage points lower than in Q1 2026, at 210.36%. Within South Dakota, American Bank & Trust is 28th of 56 on return on assets, 1.43% as of Q2 2026, above the middle of the field. American Bank & Trust reported 1.43% on return on assets for Q2 2026, 0.15 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.24% |
| Tier 1 risk-based capital ratio | 15.24% |
| Total risk-based capital ratio | 16.33% |
| Tier 1 leverage ratio | 11.28% |
| Equity capital to assets | 10.92% |
| Tangible equity to tangible assets | 10.59% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.54% |
| Non-performing assets ratio | 0.38% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 3.56% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 210.36% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.43% |
| Return on equity | 13.40% |
| Net interest margin | 3.79% |
| Efficiency ratio | 50.76% |
| Yield on earning assets | 5.80% |
| Cost of funds | 2.19% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.59% |
| Core deposits to total deposits | 87.35% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.80% |
| Securities to assets | 14.73% |
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 | 10.34% | 10.34% | 11.24% | 9.20% | 1.38% |
| Q4 2023 | 10.64% | 10.64% | 11.55% | 8.93% | 0.78% |
| Q1 2024 | 10.64% | 10.64% | 11.56% | 8.97% | 1.03% |
| Q2 2024 | 11.26% | 11.26% | 12.23% | 9.28% | 1.13% |
| Q3 2024 | 11.39% | 11.39% | 12.36% | 9.37% | 1.14% |
| Q4 2024 | 11.65% | 11.65% | 12.63% | 9.01% | 1.18% |
| Q1 2025 | 11.95% | 11.95% | 12.96% | 9.17% | 1.06% |
| Q2 2025 | 11.90% | 11.90% | 12.90% | 9.29% | 1.31% |
| Q3 2025 | 14.54% | 14.54% | 15.56% | 11.47% | 1.17% |
| Q4 2025 | 14.66% | 14.66% | 15.71% | 11.18% | 1.50% |
| Q1 2026 | 15.30% | 15.30% | 16.37% | 11.49% | 1.24% |
| Q2 2026 | 15.24% | 15.24% | 16.33% | 11.28% | 1.43% |
American Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1117) · FFIEC NIC profile (RSSD 275358)