American Bank & Trust Company Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Bank & Trust Company Inc. of Bowling Green, KY against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.07% | 1.35% | -0.28% | 37th below |
| ROAE | 11.73% | 13.32% | -1.59% | 46th below |
| Net Interest Margin | 3.29% | 3.93% | -0.64% | 19th bottom |
| Efficiency Ratio | 55.12% | 61.14% | -6.02% | 69th above |
| PPNR / Avg Assets | 1.55% | 1.68% | -0.13% | 48th below |
| Yield on Earning Assets | 6.15% | 5.67% | +0.48% | 75th top |
| Cost of Funds | 3.05% | 1.88% | +1.17% | 5th bottom |
| Net Interest Spread | 2.73% | 3.32% | -0.59% | 22nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.33% | 0.94% | +0.39% | 21st bottom |
| NPA / Total Assets | 1.09% | 0.70% | +0.39% | 18th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.16% | -0.11% | 25th below |
| ACL / Total Loans | 0.97% | 1.28% | -0.31% | 23rd bottom |
| ACL / NPLs (Coverage) | 72.67% | 1547.56% | -1474.89% | 19th bottom |
| Texas Ratio | 11.20% | 7.33% | +3.87% | 19th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 529.52% | 1396.04% | -866.52% | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.44% | 19.50% | -8.06% | 12th bottom |
| Tier 1 Ratio | 11.44% | 19.53% | -8.09% | 12th bottom |
| Total Capital Ratio | 12.39% | 20.62% | -8.23% | 11th bottom |
| Leverage Ratio | 9.88% | 12.14% | -2.26% | 29th below |
| Equity / Assets | 9.11% | 11.37% | -2.26% | 29th below |
| TCE / Tangible Assets | 9.11% | 11.09% | -1.98% | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.18% | 80.65% | +12.53% | 22nd bottom |
| Core Deposit Ratio | 80.23% | 86.86% | -6.63% | 17th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.68% | 5.04% | -1.36% | 49th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.85% | 6.84% | -2.99% | 46th below |
| Loan Growth (Y/Y) | 2.62% | 7.92% | -5.30% | 34th below |
| Deposit Growth (Y/Y) | 3.56% | 6.29% | -2.73% | 47th below |
See American Bank & Trust Company Inc.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Bank & Trust Company Inc., 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 Inc. profile, how to read a UBPR, or how this data updates.