American Eagle Bank
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Data as of · sourced from FFIEC call reports. How we update
American Eagle Bank is an FDIC-insured commercial bank headquartered in South Elgin, IL, established in 2002 (FDIC certificate 57359), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $484.7M, up 1.8% from Q2 2025. Its CET1 capital ratio was 9.49% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57359
- Headquarters
- South Elgin, IL
- Established
- 2002
- Total assets, Q2 2026
- $484.7M
- Assets vs Q2 2025
- +1.8%
- CET1 ratio, Q2 2026
- 9.49%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 071926281
American Eagle Bank spends more to run itself than most banks of its size. The South Elgin, Illinois bank had $485 million in assets at June 30, 2026, up 1.8% from a year earlier. It loses about $0.91 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 152 cents to bring in each dollar of revenue, 2.5 times the median of 61 cents for banks its size.
It lost $1.1 million in the quarter. Over the same year, loans grew 11.1% and deposits shrank 2.9%. Its margin is thin by comparison: it keeps 2.68 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, American Eagle Bank reported a CET1 capital ratio of 9.49%, a return on assets of -0.91%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.38%. The figures come from its call report filed with the FFIEC.
Between Q1 2026 and Q2 2026, its total assets fell 1.2% to $484.7M, loans rose 1.0% and deposits fell 3.2%. Auto loans made up 47.8% of its total loans on June 30, 2026, its largest category; next came multifamily loans at 23.0%. The FDIC Summary of Deposits lists 2 offices for it, in South Elgin, IL and Chicago, IL; its South Elgin office books 88% of its branch deposits. On its Q2 2026 call report, American Eagle Bank meets the capital ratio tests for adequately capitalized, not well capitalized.
Headquarters Profile
- Address
- 556 Randall Rd, South Elgin, IL 60177
- County
- Kane
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 17, 2002
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $363.1M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $43K
- Average total assets
- $477.2M
- Average total loans
- $431.3M
- Average interest-bearing deposits
- $351.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 17, 2002
- FDIC Cert
- 57359
- Fed RSSD
- 3116519
- Website
- www.americaneaglebank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
American Eagle Bank's total assets moved between a low of $427.0M (Q3 2023) and a high of $496.9M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$484.7M total assets against $476.0M; $444.0M total liabilities against $433.4M.
$441.7M net loans and leases against $397.4M; $363.1M total deposits against $373.9M.
$1.6M securities against $2.9M; $28.4M cash and balances due against $62.6M.
$6.6M total interest income against $6.5M; $3.5M total interest expense against $3.9M.
$3.1M net interest income against $2.5M.
-$278K total noninterest income against $53K; $4.3M total noninterest expense against $2.0M.
$56K provision for credit losses against -$60K.
-$1.1M net income against $473K.
-0.91% return on assets against 0.40%; 2.68% net interest margin against 2.21%.
9.49% CET1 capital ratio against 10.54%; 8.53% tier 1 leverage ratio against 8.90%.
Inside the full American Eagle Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.91% (Q2 2026) to 0.71% (Q3 2025) and its net interest margin ran from 2.21% (Q2 2025) to 2.68% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.49% | -0.91% | 0.04% | 0.38% | 2.68% |
| Q1 2026 | 10.23% | 0.51% | 0.04% | 0.37% | 2.51% |
| Q4 2025 | 10.31% | 0.41% | 0.04% | 0.37% | 2.52% |
| Q3 2025 | 10.23% | 0.71% | 0.02% | 0.17% | 2.68% |
| Q2 2025 | 10.54% | 0.40% | 0.03% | 0.26% | 2.21% |
| Q1 2025 | 10.23% | 0.29% | 0.04% | 0.34% | 2.24% |
| Q4 2024 | 10.20% | 0.52% | 0.04% | 0.39% | 2.38% |
| Q3 2024 | 10.35% | 0.44% | 0.05% | 0.43% | 2.31% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| American Eagle Bank (main office) | South Elgin , IL | 60177 | $318.2M |
| Chicago Branch | Chicago , IL | 60647 | $44.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2026 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| October 21, 2020 | Structure Change | Acquired American Eagle Bank of Chicago Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 20, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 138 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about American Eagle Bank
What are American Eagle Bank's total assets?
As of the Q2 2026 filing, American Eagle Bank reported total assets of $484.7 million in its FFIEC call report.
Where is American Eagle Bank headquartered?
It is headquartered in South Elgin, IL, United States.
When was American Eagle Bank founded?
It was established in 2002, per the FDIC institution directory.
Is American Eagle Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57359). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Eagle Bank?
American Eagle Bank's primary federal regulator is the FDIC.
What is American Eagle Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 9.49% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does American Eagle Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Eagle Bank's Texas Ratio?
Its Texas Ratio is 0.38% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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