American Bank & Trust Company Inc.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.51 percentage points lower than in Q1 2026, at 93.18%. Within Kentucky, American Bank & Trust Company Inc. is 83rd of 119 on return on assets, 1.07% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. American Bank & Trust Company Inc. sits 0.18 points lower, at 1.07% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.44% |
| Tier 1 risk-based capital ratio | 11.44% |
| Total risk-based capital ratio | 12.39% |
| Tier 1 leverage ratio | 9.88% |
| Equity capital to assets | 9.11% |
| Tangible equity to tangible assets | 9.11% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.33% |
| Non-performing assets ratio | 1.09% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 11.20% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | 72.67% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.07% |
| Return on equity | 11.73% |
| Net interest margin | 3.29% |
| Efficiency ratio | 55.12% |
| Yield on earning assets | 6.15% |
| Cost of funds | 3.05% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.18% |
| Core deposits to total deposits | 80.23% |
| Brokered deposits to total deposits | 6.93% |
| Deposits to assets | 86.54% |
| Securities to assets | 11.18% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.23% | 11.23% | 12.04% | 10.04% | 1.19% |
| Q4 2023 | 10.88% | 10.88% | 11.68% | 10.02% | 0.69% |
| Q1 2024 | 10.45% | 10.45% | 11.24% | 9.53% | 0.63% |
| Q2 2024 | 10.42% | 10.42% | 11.23% | 9.18% | 0.84% |
| Q3 2024 | 10.48% | 10.48% | 11.32% | 9.07% | 0.77% |
| Q4 2024 | 10.35% | 10.35% | 11.19% | 9.03% | 0.79% |
| Q1 2025 | 10.32% | 10.32% | 11.18% | 8.91% | 0.84% |
| Q2 2025 | 10.62% | 10.62% | 11.51% | 9.06% | 0.96% |
| Q3 2025 | 11.15% | 11.15% | 12.06% | 9.24% | 1.10% |
| Q4 2025 | 11.46% | 11.46% | 12.40% | 9.51% | 1.21% |
| Q1 2026 | 11.35% | 11.35% | 12.29% | 9.89% | 1.01% |
| Q2 2026 | 11.44% | 11.44% | 12.39% | 9.88% | 1.07% |
American Bank & Trust Company Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American Bank & Trust Company Inc., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full American Bank & Trust Company Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35568) · FFIEC NIC profile (RSSD 2919898)