American Interstate Bank
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Data as of · sourced from FFIEC call reports. How we update
American Interstate Bank is an FDIC-insured commercial bank headquartered in Elkhorn, NE, established in 1915 (FDIC certificate 1439), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $132.0M, down 5.8% from Q2 2025, the 97th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 20.06% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1439
- Headquarters
- Elkhorn, NE
- Established
- 1915
- Total assets, Q2 2026
- $132.0M
- Assets vs Q2 2025
- -5.8%
- Tier 1 leverage ratio, Q2 2026
- 20.06%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 104910135
- Holding company
- AMERICAN INTERSTATE BANCORPORATION, INC.
- Asset rank in state
- 97th of 138 in Nebraska
American Interstate Bank is one of the more profitable banks of its size. It reported $132 million in assets at June 30, 2026, down 5.8% from a year earlier. It earns about $3.76 a year on every $100 of assets, about triple the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 31 cents to bring in each dollar of revenue, about half the median of 61 cents for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 6.6% and deposits fell 8.9%. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.00% of loans from 0.53%.
As of June 30, 2026, American Interstate Bank reported a return on assets of 3.76%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, American Interstate Bank is the 97th largest of the 138 banks headquartered in Nebraska. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.3% to $132.0M, loans rose 8.9% and deposits rose 2.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 33.6% of total loans, ahead of non-owner-occupied commercial real estate loans at 20.2%. Its 3 offices in the FDIC Summary of Deposits are in Elkhorn, NE and Omaha, NE; its Elkhorn 2 offices book 94% of its branch deposits. On its Q2 2026 call report, American Interstate Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 3331 N 204th St, Elkhorn, NE 68022
- County
- Douglas
- Metro Area
- Omaha, NE-IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 041
- Established
- March 29, 1915
- Former names
- Equibanc (1992-1994)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $105.3M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $0
- Average total assets
- $132.3M
- Average total loans
- $71.7M
- Average interest-bearing deposits
- $77.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1439
- Fed RSSD
- 547251
- Website
- www.americaninterstatebank.com →
- Parent Holding Company
- AMERICAN INTERSTATE BANCORPORATION, INC. (RSSD 1210459)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, American Interstate Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, American Interstate Bank's total assets ran between $106.3M (Q1 2024) and $140.1M (Q2 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$132.0M total assets against $140.1M; $105.5M total liabilities against $115.7M.
$72.2M net loans and leases against $67.4M; $105.3M total deposits against $115.6M.
$0 securities against $0; $58.0M cash and balances due against $70.8M.
$1.9M total interest income against $1.9M; $150K total interest expense against $151K.
$1.8M net interest income against $1.8M.
$42K total noninterest income against $38K; $550K total noninterest expense against $466K.
$0 provision for credit losses against $0.
$1.2M net income against $1.3M.
3.76% return on assets against 4.39%; 5.40% net interest margin against 5.92%.
20.06% tier 1 leverage ratio against 19.96%.
Inside the full American Interstate Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAmerican Interstate Bank rankings
Its closest position to the top of a national ranking is 27 of 3,611, for ROA; its furthest is 3,601 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 3.47% (Q1 2026) to 4.64% (Q4 2025) and its net interest margin ran from 5.11% (Q1 2026) to 6.02% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.06% | 3.76% | 0.00% | 0.00% | 5.40% |
| Q1 2026 | 19.52% | 3.47% | 0.00% | 0.00% | 5.11% |
| Q4 2025 | 18.66% | 4.64% | 0.00% | 0.00% | 5.61% |
| Q3 2025 | 20.82% | 4.19% | 0.00% | 0.00% | 5.81% |
| Q2 2025 | 19.96% | 4.39% | 0.53% | 1.40% | 5.92% |
| Q1 2025 | 18.95% | 4.03% | 0.00% | 0.00% | 5.64% |
| Q4 2024 | 18.21% | 4.11% | 0.00% | 0.00% | 6.02% |
| Q3 2024 | 18.87% | 4.29% | 0.00% | 0.00% | 5.90% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 Interstate Bank (main office) | Elkhorn , NE | 68022 | $99.2M |
| Maple Branch | Omaha , NE | 68116 | $6.0M |
| Elkhorn Branch | Elkhorn , NE | 68022 | $8K |
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 |
|---|---|---|---|
| April 3, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 3, 2004 | Structure Change | Acquired American Interstate Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in NE, rank 111 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $145K approved, $145K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2006 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Interstate Bank
What are American Interstate Bank's total assets?
As of the Q2 2026 filing, American Interstate Bank reported total assets of $132.0 million in its FFIEC call report.
Where is American Interstate Bank headquartered?
It is headquartered in Elkhorn, NE, United States.
When was American Interstate Bank founded?
It was established in 1915, per the FDIC institution directory.
Is American Interstate Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1439). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Interstate Bank?
American Interstate Bank's primary federal regulator is the FDIC.
How many branches does American Interstate 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 Interstate Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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.
What was American Interstate Bank previously called?
The charter now named American Interstate Bank has also operated as Equibanc (1992-1994), per FDIC structure-change records.
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