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American Bank & Trust

$1B-$10B Specialty: Agricultural SD FDIC cert 1117

Designations: ✓ Community bank

Sioux Falls, SD

20 branches across SD · MN · ND

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in SD.
  • Deposits +11.9% year over year ($2.0B on the books).
  • Delinquency rate 0.58%.
  • Return on assets 1.34%.
  • Efficiency ratio 53.36% vs a 59.73% peer average.
  • Loan-to-deposit ratio 80.66% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in SD
View $1B-$10B leaderboard (SD) →

American Bank & Trust has 2 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 6.37% below tier average
  • + Delinquency Rate 0.29% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.05% below tier average
Get updates when American Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Total Assets ? $2.2B
+14.7% YoY +0.2% QoQ
-$545.0M $2.8B
-0.6% YoY
$70.4B
+8.4% YoY
$6.3B
+7.7% YoY
56%
Total Loans ? $1.6B
+5.6% YoY +2.0% QoQ
-$389.1M $2.0B
-0.3% YoY
$31.5B
+10.3% YoY
$3.2B
+9.4% YoY
56%
Total Deposits ? $2.0B
+11.9% YoY -0.3% QoQ
-$367.3M $2.3B
-0.5% YoY
$56.5B
+10.5% YoY
$4.9B
+7.3% YoY
58%
Return on Assets ? 1.34%
+11.8% YoY +9.5% QoQ
-0.05% 1.39%
+17.0% YoY
1.40%
+6.8% YoY
1.30%
+12.1% YoY
58%
Net Interest Margin ? 3.82%
+3.9% YoY +2.6% QoQ
-0.05% 3.87%
+6.2% YoY
4.26%
+1.1% YoY
3.95%
+4.9% YoY
57%
Efficiency Ratio ? 53.36%
-5.9% YoY -4.5% QoQ
-6.37% 59.73%
-12.6% YoY
60.99%
-4.4% YoY
70.05%
+2.5% YoY
67%
Delinquency Rate ? 0.58%
-5.4% QoQ
-0.29% 0.87%
+11.7% YoY
0.78%
+47.6% YoY
0.98%
+16.3% YoY
46%
Loan-to-Deposit Ratio ? 80.66%
-5.7% YoY +2.3% QoQ
-4.37% 85.04%
-0.1% YoY
73.26%
-0.6% YoY
79.03%
+2.3% YoY
66%
Non-Interest-Bearing Deposit Share ? 13.23%
-4.0% YoY -4.1% QoQ
-8.04% 21.27%
-1.5% YoY
23.46%
+3.2% YoY
21.98%
-0.6% YoY
20%
Nonperforming Asset Ratio ? 0.40%
-3.7% QoQ
-0.27% 0.67%
+11.7% YoY
0.54%
+39.8% YoY
0.69%
+15.8% YoY
51%
Tier 1 Capital Ratio ? 15.24%
+28.1% YoY -0.3% QoQ
+0.40% 14.84%
-0.4% YoY
15.80%
+1.0% YoY
17.09%
+0.8% YoY
75%
Non-Interest Income / Assets ? 0.27%
-2.5% YoY +111.3% QoQ
-0.26% 0.53%
+2.5% YoY
0.54%
-0.1% YoY
0.66%
+5.2% YoY
44%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Noninterest-Bearing 13.2%
-0.6pp YoY
-0.6pp QoQ
 -8.1pp 21.4% 23.5% 22.2% 20%
Brokered Deposits n/a n/a 9.5% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
C&I 17.5%
-0.2pp YoY
0.0pp QoQ
 +3.5pp 14.0% 14.1% 12.5% 74%
CRE 38.1%
-0.8pp YoY
-0.1pp QoQ
 -12.0pp 50.0% 31.5% 41.4% 21%
1-4 Family 8.7%
+0.4pp YoY
+0.4pp QoQ
 -17.7pp 26.4% 14.9% 31.3% 13%
Consumer 1.7%
-0.1pp YoY
-0.1pp QoQ
 -3.0pp 4.7% 8.5% 5.0% 59%

Capital

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
CET1 Ratio 15.2%
+3.3pp YoY
-0.1pp QoQ
 -0.4pp 15.6% 17.6% 19.7% 72%
Leverage Ratio 11.3%
+2.0pp YoY
-0.2pp QoQ
 0.0pp 11.3% 11.9% 12.6% 66%
Total Capital Ratio 16.3%
+3.4pp YoY
0.0pp QoQ
 -0.4pp 16.7% 18.8% 20.8% 71%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Full-Time Employees 219
+15 (+7.4%) YoY
+7 (+3.3%) QoQ
 -95 313 6,279 482 46%
Assets per Employee ($) $10.3M
+6.8% YoY
-3.0% QoQ
 -$215K $10.5M $8.1M $8.8M 68%
Branch Count 20
0 YoY
0 QoQ
 -0 20 92 18 65%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
-0.1pp QoQ
 -0.1pp 0.2% 0.2% 0.4% 50%
Nonaccrual 0.5%
0.0pp QoQ
 -0.3pp 0.8% 1.0% 1.0% 52%
Allowance Coverage 2.00x
-97.9% YoY
+7.6% QoQ
 -16.71x 18.71x 96.54x 20.23x 49%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.7% 0.2% 32%

Profitability

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
ROE 12.5%
-1.8pp YoY
+1.0pp QoQ
 -0.1pp 12.6% 12.4% 11.6% 52%
Cost of Funds (YTD) 2.0%
-0.3pp YoY
+0.1pp QoQ
 +0.1pp 1.9% 1.7% 1.7% 60%
Net Income ($, YTD) $14.9M
+27.9% YoY
— QoQ
 -$4.4M $19.2M $418.8M $40.4M 60%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

219
Tier 1 Capital Ratio
capital
Value: 15.24%
Peer Median: 14.84%
#219 of 885 Top 24.6% in $1B-$10B

Top Weaknesses (1 metrics)

708
Non-Interest-Bearing Deposit Share
funding
Value: 13.23%
Peer Median: 21.27%
#708 of 885 Bottom 20.1% in $1B-$10B
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