American Bank & Trust Company
American Bank & Trust Company is an FDIC-insured commercial bank headquartered in Opelousas, LA, supervised by the FDIC, with $265.1M in total assets at Q3 2026, up 4.6% from Q3 2025, the 64th largest of 103 banks headquartered in Louisiana. It was established in 1958 and holds FDIC certificate 17906. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.98% at Q3 2026, above the 8% community bank leverage ratio requirement for being considered well capitalized.
Also written as AB&T
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17906
- Headquarters
- Opelousas, LA
- Established
- 1958
- Total assets, Q3 2026
- $265.1M
- Assets vs Q3 2025
- +4.6%
- Tier 1 leverage ratio, Q3 2026
- 11.98%
- Domestic offices
- 9 branches
- Routing number
- 065205031
- Safety and soundness
- Is American Bank & Trust Company safe?
- Latest call report
- Q3 2026, FFIEC 051 · American Bank & Trust Company call report
- Holding company
- AMERICAN BANCORP, INC.
- Asset rank in state
- 64th of 103 in Louisiana
Problem loans are rising at American Bank & Trust Company. Based in Opelousas, Louisiana, it had $265 million in assets at September 30, 2026, up 4.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.00% of loans from 0.07% a year earlier. It returns 20.4% a year on shareholders' equity, higher than about three-quarters of the 2,623 banks with $100 million to $1 billion in assets (median 12.7%). It also pays an average of 1.29% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.83%).
Its $35 million non-owner-occupied commercial real estate book is now fully current, after 3.34% of it was past due or on nonaccrual a year earlier. Earnings jumped: net income for the quarter was $1.3 million, 31% above the same quarter a year earlier.
As of September 30, 2026, American Bank & Trust Company reported a return on assets of 2.05%, a nonperforming-loan ratio of 1.00% and a Texas ratio of 6.97%. The figures come from its call report filed with the FFIEC.
By total assets at Q3 2026, American Bank & Trust Company is the 64th largest of the 103 banks headquartered in Louisiana. Between Q2 2026 and Q3 2026, its total assets fell 0.7% to $265.1M, loans rose 0.6% and deposits fell 0.5%. Its loan book on September 30, 2026 was led by 1-4 family residential loans, at 51.2% of total loans, followed by non-owner-occupied commercial real estate loans at 17.9%. The FDIC Summary of Deposits lists 8 offices for it, in 5 cities in LA; its Opelousas 3 offices book 67% of its branch deposits. By the capital ratios in its Q3 2026 call report, American Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 307 E Landry St, Opelousas, LA 70570
- County
- St. Landry
- Metro Area
- Opelousas, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 22, 1958
- Domestic offices
- 9 branches
- Employees (FTE)
- 52
- Domestic deposits
- $220.6M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $21K
- Average total assets
- $262.0M
- Average total loans
- $193.4M
- Average interest-bearing deposits
- $132.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 22, 1958
- FDIC Cert
- 17906
- Fed RSSD
- 83834
- SEC CIK
- 721238 → filed by AMERICAN BANCORP, INC.
- Parent Holding Company
- AMERICAN BANCORP, INC. (RSSD 1085349)
Profitability
Q3 annualizedAsset Quality
Balance Sheet
Income Statement
Operating & Funding
Watch American Bank & Trust Company: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, American Bank & Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q4 2023 to Q3 2026, American Bank & Trust Company's total assets ranged from $236.5M (Q1 2024) to $271.8M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$265.1M total assets against $253.5M; $239.2M total liabilities against $227.9M.
$192.3M net loans and leases against $180.3M; $220.6M total deposits against $205.5M.
$43.0M securities against $51.9M; $21.0M cash and balances due against $12.8M.
$3.6M total interest income against $3.3M; $731K total interest expense against $762K.
$2.8M net interest income against $2.5M.
$297K total noninterest income against $237K; $1.7M total noninterest expense against $1.7M.
$29K provision for credit losses against $43K.
$1.3M net income against $1.0M.
2.05% return on assets against 1.65%; 4.53% net interest margin against 4.28%.
11.98% tier 1 leverage ratio against 12.03%.
Inside the full American Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAmerican Bank & Trust Company rankings
Its closest position to the top of a national ranking is 477 of 3,627, for ROA; its furthest is 2,629 of 4,193, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 1.00% (Q4 2025) to 2.05% (Q3 2026) and its net interest margin ran from 4.00% (Q4 2024) to 4.53% (Q3 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 11.98% | 2.05% | 1.00% | 6.97% | 4.53% |
| Q2 2026 | 11.71% | 1.91% | 0.47% | 3.16% | 4.44% |
| Q1 2026 | 11.66% | 1.85% | 0.23% | 1.61% | 4.35% |
| Q4 2025 | 11.60% | 1.00% | 0.26% | 1.74% | 4.28% |
| Q3 2025 | 12.03% | 1.65% | 0.07% | 0.47% | 4.28% |
| Q2 2025 | 11.77% | 1.63% | 0.01% | 0.34% | 4.25% |
| Q1 2025 | 11.67% | 1.81% | 0.06% | 0.43% | 4.14% |
| Q4 2024 | 11.22% | 1.15% | 0.00% | 0.33% | 4.00% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| American Bank & Trust Company (main office) | Opelousas , LA | 70570 | $142.2M |
| Krotz Springs Branch | Krotz Springs , LA | 70750 | $24.2M |
| American Bank & Trust Company Lafayette Branch | Lafayette , LA | 70508 | $14.1M |
| Port Barre Branch | Port Barre , LA | 70577 | $13.3M |
| Moss Street Branch | Lafayette , LA | 70501 | $11.9M |
| Lawtell Branch | Lawtell , LA | 70550 | $9.6M |
| South Branch | Opelousas , LA | 70570 | $6.5M |
| Operations Center Branch | Opelousas , LA | 70570 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action July 19, 2021. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in LA, rank 72 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 123 applications, 112 loans originated, $25.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $29K approved, $29K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Company
What are American Bank & Trust Company's total assets?
As of the Q3 2026 filing, American Bank & Trust Company reported total assets of $265.1 million in its FFIEC call report.
Where is American Bank & Trust Company headquartered?
It is headquartered in Opelousas, LA, United States.
When was American Bank & Trust Company founded?
It was established in 1958, per the FDIC institution directory.
Is American Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17906). 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 Company?
American Bank & Trust Company's primary federal regulator is the FDIC.
How many branches does American Bank & Trust Company operate?
It operates 9 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 Company's Texas Ratio?
Its Texas Ratio is 6.97% in its Q3 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 nonperforming assets against the bank's capital and reserves.
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