Bank Safety Analysis
Is American Bank & Trust Company Inc. Safe?
American Bank & Trust Company Inc. passes all 5 regulatory safety dimensions, with capital, asset quality, and stress buffers above supervisory concern bands. Analysis based on the Q2 2026 call report.
The biggest quarter-over-quarter change on this page was a small one: net interest margin edged up 0.09 percentage points between Q1 2026 and Q2 2026, to 3.29%. American Bank & Trust Company Inc. has the 6th lowest CET1 ratio of the 69 banks headquartered in Kentucky, at 11.44% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. American Bank & Trust Company Inc. sits 3.63 points lower, at 11.44% (Q2 2026). From Q3 2023 to Q2 2026, American Bank & Trust Company Inc.'s CET1 ratio ranged between 10.32% (Q1 2025) and 11.46% (Q4 2025) and its Texas ratio ranged between 1.93% (Q3 2023) and 11.38% (Q1 2026). Compared with Q2 2025, American Bank & Trust Company Inc.'s CET1 ratio from 10.62% to 11.44%, noncurrent loans to total loans from 0.27% to 1.33%, Texas ratio from 2.52% to 11.20%, return on assets from 0.96% to 1.07% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with $100M to $1B in assets (2,672 banks) · Industry averages as of Q2 2026.
CET1 of 11.44% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 9.88% is above the 5% well-capitalized threshold.
Nonperforming loans at 1.33% are within industry-normal range.
Texas Ratio of 11.2% is well below the 100% historical failure threshold.
Efficiency ratio of 55.1% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 11.44% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 11.20% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 1.33% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 93.18% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 374.81% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.03% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 11.44% |
| Q1 2026 | 11.35% |
| Q4 2025 | 11.46% |
| Q3 2025 | 11.15% |
| Q2 2025 | 10.62% |
| Q1 2025 | 10.32% |
| Q4 2024 | 10.35% |
| Q3 2024 | 10.48% |
| Q2 2024 | 10.42% |
| Q1 2024 | 10.45% |
| Q4 2023 | 10.88% |
| Q3 2023 | 11.23% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 11.20% |
| Q1 2026 | 11.38% |
| Q4 2025 | 9.80% |
| Q3 2025 | 10.76% |
| Q2 2025 | 2.52% |
| Q1 2025 | 2.59% |
| Q4 2024 | 3.22% |
| Q3 2024 | 3.49% |
| Q2 2024 | 2.69% |
| Q1 2024 | 2.34% |
| Q4 2023 | 2.02% |
| Q3 2023 | 1.93% |
American Bank & Trust Company Inc. by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 11.44% | 1.33% | 11.20% | 1.07% |
| Mar 31, 2026 | 11.35% | 1.35% | 11.38% | 1.01% |
| Dec 31, 2025 | 11.46% | 1.14% | 9.80% | 1.21% |
| Sep 30, 2025 | 11.15% | 1.13% | 10.76% | 1.10% |
| Jun 30, 2025 | 10.62% | 0.27% | 2.52% | 0.96% |
| Mar 31, 2025 | 10.32% | 0.22% | 2.59% | 0.84% |
| Dec 31, 2024 | 10.35% | 0.26% | 3.22% | 0.79% |
| Sep 30, 2024 | 10.48% | 0.33% | 3.49% | 0.77% |
| Jun 30, 2024 | 10.42% | 0.28% | 2.69% | 0.84% |
| Mar 31, 2024 | 10.45% | 0.22% | 2.34% | 0.63% |
| Dec 31, 2023 | 10.88% | 0.20% | 2.02% | 0.69% |
| Sep 30, 2023 | 11.23% | 0.22% | 1.93% | 1.19% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is American Bank & Trust Company Inc. FDIC insured?
Yes. American Bank & Trust Company Inc. is an FDIC-insured commercial bank (FDIC Certificate #35568). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is American Bank & Trust Company Inc. well capitalized?
Yes. American Bank & Trust Company Inc. reports a CET1 Ratio of 11.44%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the FDIC, applies under Prompt Corrective Action.
What is American Bank & Trust Company Inc.'s nonperforming loan ratio?
As of the most recent call report, American Bank & Trust Company Inc.'s nonperforming loan ratio is 1.33%. Nonperforming loans at 1.33% are within industry-normal range.
What is American Bank & Trust Company Inc.'s Texas Ratio?
American Bank & Trust Company Inc.'s Texas Ratio is 11.20%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 35568) · FFIEC NIC profile (RSSD 2919898)
Explore: Full American Bank & Trust Company Inc. profile · Other banks in KY · Metric glossary · How the call report works