American Bank & Trust Company: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Bank & Trust Company of Opelousas, LA against its peer group of 2646 similarly-sized US banks as of Q3 2026. The peer group is every US bank in the same asset tier (banks with $100M to $1B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 2.05% | 1.30% | +0.75% | 85th best quarter |
| ROAE | 20.35% | 12.64% | +7.71% | 85th best quarter |
| Net Interest Margin | 4.53% | 4.00% | +0.53% | 77th best quarter |
| Efficiency Ratio | 55.34% | 60.97% | -5.63% | 33rd better half |
| PPNR / Avg Assets | 2.11% | 1.63% | +0.48% | 74th better half |
| Yield on Earning Assets | 5.68% | 5.69% | -0.01% | 49th |
| Cost of Funds | 1.29% | 1.83% | -0.54% | 18th best quarter |
| Net Interest Spread | 3.74% | 3.38% | +0.36% | 69th better half |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 1.00% | 0.43% | +0.57% | 71st worse half |
| NPA / Total Assets | 0.73% | 0.33% | +0.40% | 70th worse half |
| NCO / Avg Loans | 0.03% | 0.00% | +0.03% | 69th worse half |
| ACL / Total Loans | 0.97% | 1.20% | -0.23% | 23rd |
| ACL / NPLs (Coverage) | 97.16% | 214.79% | -117.63% | 26th worse half |
| Texas Ratio | 6.97% | 2.90% | +4.07% | 72nd worse half |
| Provision / NCO | 181.25% | 136.36% | +44.89% | 55th |
| CRE / Total Capital | 157.91% | 119.32% | +38.59% | 63rd worse half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Leverage Ratio | 11.98% | 11.15% | +0.83% | 62nd better half |
| Equity / Assets | 9.79% | 10.12% | -0.33% | 45th worse half |
| TCE / Tangible Assets | 9.79% | 9.85% | -0.06% | 49th worse half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 88.02% | 81.56% | +6.46% | 65th |
| Core Deposit Ratio | 91.75% | 89.16% | +2.59% | 65th better half |
| Borrowings / Total Assets | 6.26% | 3.70% | +2.56% | 69th worse half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.58% | 3.51% | +1.07% | 58th |
| Loan Growth (Y/Y) | 6.70% | 5.73% | +0.97% | 56th |
| Deposit Growth (Y/Y) | 7.35% | 3.83% | +3.52% | 72nd |
See American Bank & Trust Company's peers by name
The 2646 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, 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 Company profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the American Bank & Trust Company peer analysis.