American National Bank of Minnesota: 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: 39.64 percentage points higher than in Q1 2026, at 133.42%. American National Bank of Minnesota ranks 115th of 221 Minnesota banks on return on assets, in the lower half at 1.32% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. American National Bank of Minnesota sits 0.07 points higher, at 1.32% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.32% |
| Tier 1 risk-based capital ratio | 14.32% |
| Total risk-based capital ratio | 15.58% |
| Tier 1 leverage ratio | 10.85% |
| Equity capital to assets | 10.72% |
| Tangible equity to tangible assets | 10.72% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.00% |
| Non-performing assets ratio | 0.87% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 7.37% |
| Allowance for credit losses to loans | 1.34% |
| Reserve coverage of non-performing loans | 133.42% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.32% |
| Return on equity | 12.60% |
| Net interest margin | 3.81% |
| Efficiency ratio | 65.63% |
| Yield on earning assets | 6.29% |
| Cost of funds | 2.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 111.22% |
| Core deposits to total deposits | 67.45% |
| Brokered deposits to total deposits | 24.80% |
| Deposits to assets | 73.45% |
| Securities to assets | 1.69% |
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 | 12.14% | 12.14% | 13.39% | 9.58% | 1.04% |
| Q4 2023 | 12.71% | 12.71% | 13.96% | 9.83% | 0.87% |
| Q1 2024 | 11.99% | 11.99% | 13.25% | 9.54% | 0.59% |
| Q2 2024 | 12.65% | 12.65% | 13.90% | 9.59% | 1.09% |
| Q3 2024 | 12.14% | 12.14% | 13.40% | 9.70% | 1.34% |
| Q4 2024 | 11.72% | 11.72% | 12.97% | 9.69% | 1.01% |
| Q1 2025 | 11.68% | 11.68% | 12.93% | 9.54% | 0.79% |
| Q2 2025 | 12.31% | 12.31% | 13.56% | 9.70% | 1.14% |
| Q3 2025 | 12.33% | 12.33% | 13.58% | 9.99% | 1.33% |
| Q4 2025 | 12.77% | 12.77% | 14.03% | 10.38% | 1.09% |
| Q1 2026 | 12.86% | 12.86% | 14.11% | 10.49% | 1.36% |
| Q2 2026 | 14.32% | 14.32% | 15.58% | 10.85% | 1.32% |
American National Bank of Minnesota vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American National Bank of Minnesota, 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 National Bank of Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26499) · FFIEC NIC profile (RSSD 306159)