American Bank & Trust Company: Loan Modifications and Restructuring
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Data as of · Call Report Schedules RC-C Memoranda and RC-N How we update
American Bank & Trust Company reported all 8 line items on this page on its Q3 2026 filing. Modified loans and leases was $128K in Q3 2026, up 0.8% from $127K in Q3 2025. That is 0.0% of its total assets. Across the 12 quarters shown it ranged from $0 (Q2 2026) to $132K (Q2 2024).
The standout move of Q3 2026 was in Nonperforming loans to total loans: 0.53 percentage points higher than in Q2 2026, at 1.00%.
Modified loans
Largest change in this table: nonperforming assets excluding restructured loans, to assets, up 0.39 points to 0.73% in Q3 2026 after 0.34% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Modified loans and leases | $128K |
| Modified loans to total loans | 0.07% |
| Nonperforming assets excluding restructured loans, to assets | 0.73% |
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Read against the nonperforming book
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to total loans | 1.00% |
| Nonaccrual loans to loans | 0.21% |
| Loans 90+ days past due to loans | 0.79% |
| Net charge-off ratio | 0.03% |
| Allowance for credit losses to loans | 0.97% |
Shown side by side so the modified share can be compared with recognized nonperforming loans and with what has already been charged off.
Loan Modifications and Restructuring trend
A modified share rising while the nonperforming share stays flat is the pattern worth investigating.
Loan Modifications and Restructuring by quarter
| Quarter | Modified loans | Nonperforming loans | Net charge-offs |
|---|---|---|---|
| Q4 2023 | 0.00% | 0.27% | 0.04% |
| Q1 2024 | 0.00% | 0.30% | 0.03% |
| Q2 2024 | 0.08% | 0.13% | 0.36% |
| Q3 2024 | 0.08% | 0.05% | 0.35% |
| Q4 2024 | 0.00% | 0.00% | 0.17% |
| Q1 2025 | 0.07% | 0.06% | -0.01% |
| Q2 2025 | 0.07% | 0.01% | -0.08% |
| Q3 2025 | 0.07% | 0.07% | 0.00% |
| Q4 2025 | 0.07% | 0.26% | 0.01% |
| Q1 2026 | 0.07% | 0.23% | 0.02% |
| Q2 2026 | 0.00% | 0.47% | -0.01% |
| Q3 2026 | 0.07% | 1.00% | 0.03% |
American Bank & Trust Company loan modifications and restructuring, quarter by quarter
Loan Modifications and Restructuring since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-C Memoranda and RC-N, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full American Bank & Trust Company profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 17906) · FFIEC NIC profile (RSSD 83834)