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American Bank

$100M-$1B Specialty: Commercial LA FDIC cert 19234

Covington, LA

5 branches across LA

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 73 in LA.
  • Deposits +11.1% year over year ($322.6M on the books).
  • Delinquency rate 5.13%.
  • Return on assets 0.63%.
  • Efficiency ratio 79.09% vs a 64.48% peer average.
  • Loan-to-deposit ratio 75.82% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 73 in LA
View $100M-$1B leaderboard (LA) →

American Bank has 1 strength but faces 4 concerns

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

  • + Deposit Franchise: Top 48.6% in tier

Key Concerns

Areas that may need attention

  • - Delinquency Rate 4.21% above tier average
  • - Nonperforming Asset Ratio 3.03% above tier average
  • - ROA 0.69% below tier average
  • - Efficiency Ratio 14.61% above tier average
Get updates when American Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $366.6M
+10.9% YoY +2.0% QoQ
-$20.0M $386.6M
+1.2% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
57%
Total Loans ? $244.6M
+5.9% YoY +3.9% QoQ
-$13.8M $258.3M
+1.7% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
58%
Total Deposits ? $322.6M
+11.1% YoY +1.7% QoQ
-$4.2M $326.7M
+0.7% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
58%
Return on Assets ? 0.63%
-46.0% YoY +252.2% QoQ
-0.69% 1.32%
+10.8% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
16%
Net Interest Margin ? 5.64%
-5.1% YoY +12.5% QoQ
+1.65% 3.99%
+5.0% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
Top 2.3% in tier
Efficiency Ratio ? 79.09%
+17.7% YoY -6.9% QoQ
+14.61% 64.48%
-3.2% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
Bottom 14.5% in tier
Delinquency Rate ? 5.13%
+81.7% YoY +51.1% QoQ
+4.21% 0.92%
+15.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
Bottom 2.5% in tier
Loan-to-Deposit Ratio ? 75.82%
-4.7% YoY +2.2% QoQ
-2.13% 77.95%
+1.0% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
58%
Non-Interest-Bearing Deposit Share ? 29.87%
-3.8% YoY -2.4% QoQ
+7.84% 22.03%
-0.6% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
82%
Nonperforming Asset Ratio ? 3.70%
+6.4% YoY +12.8% QoQ
+3.03% 0.67%
+16.4% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
Bottom 2.0% in tier
Tier 1 Capital Ratio ? 10.08%
-2.4% YoY -2.3% QoQ
-5.83% 15.91%
+1.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
Bottom 11.9% in tier
Non-Interest Income / Assets ? 0.31%
-45.9% YoY +117.0% QoQ
-0.26% 0.57%
+7.6% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
73%

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 (LA) National Avg Tier Percentile
Noninterest-Bearing 29.9%
-1.2pp YoY
-0.7pp QoQ
 +7.7pp 22.1% 24.6% 22.2% 82%
Brokered Deposits n/a n/a 7.9% 6.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
C&I 7.5%
-2.3pp YoY
-0.8pp QoQ
 -4.1pp 11.6% 12.6% 12.5% 36%
CRE 71.5%
+4.4pp YoY
+1.4pp QoQ
 +31.9pp 39.5% 44.9% 41.4% 94%
1-4 Family 21.0%
-2.3pp YoY
-1.1pp QoQ
 -11.6pp 32.6% 34.2% 31.3% 32%
Consumer 0.7%
-0.1pp YoY
0.0pp QoQ
 -3.4pp 4.1% 4.2% 5.0% 22%

Capital

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.5% 19.7% n/a
Leverage Ratio 10.1%
-0.3pp YoY
-0.2pp QoQ
 -2.1pp 12.2% 13.4% 12.6% 34%
Total Capital Ratio n/a n/a 19.9% 23.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Full-Time Employees 77
+5 (+6.9%) YoY
+5 (+6.9%) QoQ
 +18 58 114 482 75%
Assets per Employee ($) $4.8M
+3.7% YoY
-4.6% QoQ
 -$2.8M $7.5M $6.8M $8.8M 11%
Branch Count 5
0 YoY
0 QoQ
 0 4 9 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 5.1%
+2.3pp YoY
+1.7pp QoQ
 +4.2pp 0.9% 1.4% 1.0% 98%
Allowance Coverage 0.36x
-36.0% YoY
-34.9% QoQ
 -23.80x 24.15x 27.36x 20.23x 5%
Net Charge-off Rate (YTD) 0.1%
-0.9pp YoY
0.0pp QoQ
 0.0pp 0.1% 0.1% 0.2% 79%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 5.7%
-5.0pp YoY
+4.1pp QoQ
 -6.5pp 12.2% 12.5% 11.6% 16%
Cost of Funds (YTD) 2.3%
-0.1pp YoY
0.0pp QoQ
 +0.6pp 1.7% 1.7% 1.7% 84%
Net Income ($, YTD) $1.1M
-41.8% YoY
— QoQ
 -$1.4M $2.6M $5.1M $40.4M 30%

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 (1)

Deposit Franchise

growth
#136 of 278 • Top 48.6% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 29.87%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.64%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

62
Net Interest Margin
profitability
Value: 5.64%
Peer Median: 3.99%
#62 of 2643 Top 2.3% in $100M-$1B
486
Non-Interest-Bearing Deposit Share
funding
Value: 29.87%
Peer Median: 22.03%
#486 of 2643 Top 18.4% in $100M-$1B

Top Weaknesses (5 metrics)

2590
Nonperforming Asset Ratio
credit_quality
Value: 3.70%
Peer Median: 0.67%
#2590 of 2643 Bottom 2.0% in $100M-$1B
2569
Delinquency Rate
credit_quality
Value: 5.13%
Peer Median: 0.92%
#2569 of 2633 Bottom 2.5% in $100M-$1B
2330
Tier 1 Capital Ratio
capital
Value: 10.08%
Peer Median: 15.91%
#2330 of 2643 Bottom 11.9% in $100M-$1B
2262
Efficiency Ratio
profitability
Value: 79.09%
Peer Median: 64.48%
#2262 of 2643 Bottom 14.5% in $100M-$1B
2213
Return on Assets
profitability
Value: 0.63%
Peer Median: 1.32%
#2213 of 2643 Bottom 16.3% in $100M-$1B
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