American Federal 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: 1803.99 percentage points higher than in Q1 2026, at 2780.08%. Within North Dakota, American Federal Bank is 38th of 60 on return on assets, 1.23% as of Q2 2026, below the middle of the field. At 1.23%, American Federal Bank's return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.92% |
| Tier 1 risk-based capital ratio | 12.92% |
| Total risk-based capital ratio | 14.17% |
| Tier 1 leverage ratio | 9.32% |
| Equity capital to assets | 8.96% |
| Tangible equity to tangible assets | 8.96% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.33% |
| Allowance for credit losses to loans | 1.04% |
| Reserve coverage of non-performing loans | 2780.08% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.23% |
| Return on equity | 13.69% |
| Net interest margin | 4.16% |
| Efficiency ratio | 70.49% |
| Yield on earning assets | 5.90% |
| Cost of funds | 1.83% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 111.32% |
| Core deposits to total deposits | 89.67% |
| Brokered deposits to total deposits | 0.50% |
| Deposits to assets | 77.35% |
| Securities to assets | 9.52% |
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 | 12.43% | 12.43% | 13.55% | 9.18% | 0.99% |
| Q4 2023 | 11.31% | 11.31% | 12.51% | 8.40% | 0.52% |
| Q1 2024 | 11.53% | 11.53% | 12.74% | 8.53% | 0.60% |
| Q2 2024 | 11.55% | 11.55% | 12.76% | 8.72% | 0.45% |
| Q3 2024 | 11.57% | 11.57% | 12.78% | 8.48% | 0.77% |
| Q4 2024 | 11.96% | 11.96% | 13.21% | 8.74% | 0.80% |
| Q1 2025 | 12.77% | 12.77% | 14.02% | 9.15% | 0.95% |
| Q2 2025 | 13.48% | 13.48% | 14.74% | 9.77% | 1.15% |
| Q3 2025 | 13.73% | 13.73% | 14.98% | 9.95% | 1.34% |
| Q4 2025 | 12.21% | 12.21% | 13.46% | 8.87% | 1.09% |
| Q1 2026 | 12.93% | 12.93% | 14.18% | 9.06% | 0.90% |
| Q2 2026 | 12.92% | 12.92% | 14.17% | 9.32% | 1.23% |
American Federal Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American Federal 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 Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29140) · FFIEC NIC profile (RSSD 637170)