American Metro 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 Deposits to assets: 3.45 percentage points lower than in Q1 2026, at 73.87%. American Metro Bank ranks 167th of 323 Illinois banks on return on assets, in the lower half at 1.17% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. American Metro Bank sits 0.09 points lower, at 1.17% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.10% |
| Equity capital to assets | 13.75% |
| Tangible equity to tangible assets | 13.75% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.17% |
| Return on equity | 8.02% |
| Net interest margin | 4.35% |
| Efficiency ratio | 71.13% |
| Yield on earning assets | 6.39% |
| Cost of funds | 2.33% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.69% |
| Core deposits to total deposits | 67.98% |
| Brokered deposits to total deposits | 20.30% |
| Deposits to assets | 73.87% |
| Securities to assets | — |
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 | 20.70% | 20.70% | 21.95% | 14.03% | 2.98% |
| Q4 2023 | 19.84% | 19.84% | 21.10% | 14.49% | 1.33% |
| Q1 2024 | 19.72% | 19.72% | 20.98% | 13.81% | 0.77% |
| Q2 2024 | 18.49% | 18.49% | 19.74% | 13.56% | 2.16% |
| Q3 2024 | 16.78% | 16.78% | 18.03% | 13.15% | 0.85% |
| Q4 2024 | 15.89% | 15.89% | 17.14% | 12.60% | 0.57% |
| Q1 2025 | 15.98% | 15.98% | 17.23% | 12.37% | 0.76% |
| Q2 2025 | 15.95% | 15.95% | 17.20% | 12.68% | 1.08% |
| Q3 2025 | 15.97% | 15.97% | 17.22% | 12.61% | 1.00% |
| Q4 2025 | 15.87% | 15.87% | 17.13% | 12.31% | 0.97% |
| Q1 2026 | 16.26% | 16.26% | 17.51% | 12.40% | 1.08% |
| Q2 2026 | — | — | — | 13.10% | 1.17% |
American Metro Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American Metro 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 Metro Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34334) · FFIEC NIC profile (RSSD 2533043)