American Eagle Bank: 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 Reserve coverage of non-performing loans: 18.09 percentage points lower than in Q1 2026, at 249.89%. On return on assets, American Eagle Bank is 6th from the bottom among 323 Illinois banks, -0.91% (Q2 2026). Against a median of 1.26% for banks in the $100M-1B asset tier, American Eagle Bank reported -0.91% on return on assets in Q2 2026, 2.16 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 9.49% |
| Tier 1 risk-based capital ratio | 9.49% |
| Total risk-based capital ratio | 9.75% |
| Tier 1 leverage ratio | 8.53% |
| Equity capital to assets | 8.40% |
| Tangible equity to tangible assets | 8.40% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.10% |
| Non-performing assets ratio | 0.09% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 0.38% |
| Allowance for credit losses to loans | 0.26% |
| Reserve coverage of non-performing loans | 249.89% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.91% |
| Return on equity | -10.30% |
| Net interest margin | 2.68% |
| Efficiency ratio | 151.67% |
| Yield on earning assets | 5.74% |
| Cost of funds | 3.27% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 121.96% |
| Core deposits to total deposits | 50.70% |
| Brokered deposits to total deposits | 34.82% |
| Deposits to assets | 74.91% |
| Securities to assets | 0.34% |
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 | 10.76% | 10.76% | 11.25% | 9.04% | 0.77% |
| Q4 2023 | 10.61% | 10.61% | 11.03% | 9.14% | 0.56% |
| Q1 2024 | 10.74% | 10.74% | 11.14% | 9.26% | 0.42% |
| Q2 2024 | 10.61% | 10.61% | 10.99% | 9.31% | 0.37% |
| Q3 2024 | 10.35% | 10.35% | 10.71% | 9.08% | 0.44% |
| Q4 2024 | 10.20% | 10.20% | 10.54% | 8.83% | 0.52% |
| Q1 2025 | 10.23% | 10.23% | 10.55% | 9.07% | 0.29% |
| Q2 2025 | 10.54% | 10.54% | 10.85% | 8.90% | 0.40% |
| Q3 2025 | 10.23% | 10.23% | 10.52% | 9.01% | 0.71% |
| Q4 2025 | 10.31% | 10.31% | 10.59% | 8.89% | 0.41% |
| Q1 2026 | 10.23% | 10.23% | 10.51% | 8.95% | 0.51% |
| Q2 2026 | 9.49% | 9.49% | 9.75% | 8.53% | -0.91% |
American Eagle Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American Eagle Bank, 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 Eagle Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57359) · FFIEC NIC profile (RSSD 3116519)