American Bank & Trust Company: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
On its Q3 2026 filing, American Bank & Trust Company reported 20 of the 23 line items on this page. It elected the community bank leverage ratio, so it files no CET1 capital ratio, tier 1 risk-based capital ratio and total risk-based capital ratio; the Tier 1 leverage ratio is its capital test. Tier 1 leverage ratio was 11.98% in Q3 2026, down 0.06 percentage points from 12.03% in Q3 2025. Across the 12 quarters shown it ranged from 10.82% (Q4 2023) to 12.03% (Q3 2025).
Reserve coverage of nonperforming loans dropped 105.16 percentage points in Q3 2026, from 202.32% to 97.16%. It was the largest change from Q2 2026 among the key lines here. Among 103 Louisiana banks, American Bank & Trust Company sits 8th from the top on return on assets, 2.05% as of Q3 2026. Against a median of 1.27% for banks in the $100M-1B asset tier, American Bank & Trust Company reported 2.05% on return on assets in Q3 2026, 0.77 points higher.
Capital adequacy
Equity capital to assets changed the most here, down 0.23 points to 9.79% in Q3 2026 from 10.02% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | Not applicable (CBLR) |
| Tier 1 risk-based capital ratio | Not applicable (CBLR) |
| Total risk-based capital ratio | Not applicable (CBLR) |
| Tier 1 leverage ratio | 11.98% |
| Equity capital to assets | 9.79% |
| Tangible equity to tangible assets | 9.79% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies. What the community bank leverage ratio is.
Source: Call Report Schedule RC-R, Part I: Tier 1 leverage ratio (RCOA7204).
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Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 1.00% |
| Nonperforming assets ratio | 0.73% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 6.97% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of nonperforming loans | 97.16% |
Earnings
Return on equity changed the most here, up 1.52 points to 20.35% in Q3 2026 from 18.83% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 2.05% |
| Return on equity | 20.35% |
| Net interest margin | 4.53% |
| Efficiency ratio | 55.34% |
| Yield on earning assets | 5.68% |
| Cost of funds | 1.29% |
Liquidity and funding
Securities to assets changed the most here, down 1.45 points to 16.23% in Q3 2026 from 17.68% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 88.02% |
| Core deposits to total deposits | 91.75% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.22% |
| Securities to assets | 16.23% |
Vital Signs trend
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q4 2023 | 10.82% | 1.00% | 3.69% | 0.27% | 0.04% |
| Q1 2024 | 11.15% | 1.63% | 3.82% | 0.30% | 0.03% |
| Q2 2024 | 11.16% | 0.86% | 3.85% | 0.13% | 0.36% |
| Q3 2024 | 11.36% | 1.34% | 3.86% | 0.05% | 0.35% |
| Q4 2024 | 11.22% | 1.15% | 4.00% | 0.00% | 0.17% |
| Q1 2025 | 11.67% | 1.81% | 4.14% | 0.06% | -0.01% |
| Q2 2025 | 11.77% | 1.63% | 4.25% | 0.01% | -0.08% |
| Q3 2025 | 12.03% | 1.65% | 4.28% | 0.07% | 0.00% |
| Q4 2025 | 11.60% | 1.00% | 4.28% | 0.26% | 0.01% |
| Q1 2026 | 11.66% | 1.85% | 4.35% | 0.23% | 0.02% |
| Q2 2026 | 11.71% | 1.91% | 4.44% | 0.47% | -0.01% |
| Q3 2026 | 11.98% | 2.05% | 4.53% | 1.00% | 0.03% |
American Bank & Trust Company vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)