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American Bank and Trust Company, National Association

$100M-$1B Specialty: Commercial IA FDIC cert 34955

Davenport, IA

8 branches across IL · IA

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 167 in IA.
  • Deposits -11.0% year over year ($387.8M on the books).
  • Delinquency rate 0.87%.
  • Return on assets 0.78%.
  • Efficiency ratio 78.51% vs a 64.48% peer average.
  • Loan-to-deposit ratio 84.40% 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 167 in IA
View $100M-$1B leaderboard (IA) →

American Bank and Trust Company, National Association faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 1.9% in tier
  • - Flatlined Growth: Bottom 14.4% in tier
  • - Credit Quality Pressure: Bottom 40.5% in tier
  • - ROA 0.54% below tier average
  • - Net Interest Margin 0.71% below tier average
  • - Efficiency Ratio 14.03% above tier average
Get updates when American Bank and Trust Company, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $480.9M
-0.6% YoY +3.4% QoQ
+$94.3M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
70%
Total Loans ? $327.3M
-0.0% YoY +2.2% QoQ
+$68.9M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
71%
Total Deposits ? $387.8M
-11.0% YoY -3.0% QoQ
+$61.0M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
68%
Return on Assets ? 0.78%
+241.6% YoY +12.3% QoQ
-0.54% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
23%
Net Interest Margin ? 3.28%
+6.5% YoY +1.8% QoQ
-0.71% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
19%
Efficiency Ratio ? 78.51%
-15.2% YoY -4.2% QoQ
+14.03% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
15%
Delinquency Rate ? 0.87%
+16.6% YoY +57.9% QoQ
-0.05% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
32%
Loan-to-Deposit Ratio ? 84.40%
+12.4% YoY +5.3% QoQ
+6.45% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
39%
Non-Interest-Bearing Deposit Share ? 29.93%
-18.0% YoY -0.4% QoQ
+7.90% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
82%
Nonperforming Asset Ratio ? 0.59%
+16.3% YoY +56.0% QoQ
-0.08% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
35%
Tier 1 Capital Ratio ? 14.18%
-3.4% YoY -2.8% QoQ
-1.73% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
59%
Non-Interest Income / Assets ? 0.57%
+41.0% YoY +97.6% QoQ
+0.00% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
Top 7.5% in tier

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 (IA) National Avg Tier Percentile
Noninterest-Bearing 29.9%
-6.6pp YoY
-0.1pp QoQ
 +7.8pp 22.1% 17.8% 22.2% 82%
Brokered Deposits n/a n/a 7.9% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 18.7%
-0.8pp YoY
+1.6pp QoQ
 +7.1pp 11.6% 12.8% 12.5% 86%
CRE 54.6%
-0.4pp YoY
-0.9pp QoQ
 +15.0pp 39.5% 28.3% 41.4% 77%
1-4 Family 26.0%
+1.5pp YoY
-0.8pp QoQ
 -6.6pp 32.6% 23.0% 31.3% 43%
Consumer 1.5%
-0.2pp YoY
+0.1pp QoQ
 -2.6pp 4.1% 2.9% 5.0% 40%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio 14.2%
-0.5pp YoY
-0.4pp QoQ
 -4.6pp 18.8% 15.4% 19.7% 41%
Leverage Ratio 10.1%
+0.3pp YoY
-0.1pp QoQ
 -2.1pp 12.2% 12.4% 12.6% 33%
Total Capital Ratio 15.4%
-0.5pp YoY
-0.4pp QoQ
 -4.5pp 19.9% 16.5% 20.8% 42%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 80
+6 (+8.1%) YoY
+8 (+11.1%) QoQ
 +21 58 64 482 77%
Assets per Employee ($) $6.0M
-8.0% YoY
-6.9% QoQ
 -$1.5M $7.5M $8.9M $8.8M 34%
Branch Count 8
-1 (-11.1%) YoY
0 QoQ
 +3 4 5 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days 0.5%
+0.3pp YoY
+0.3pp QoQ
 +0.2pp 0.3% 0.4% 0.4% 83%
Nonaccrual 0.4%
-0.2pp YoY
0.0pp QoQ
 -0.6pp 0.9% 1.0% 1.0% 45%
Allowance Coverage 1.49x
-20.0% YoY
-37.4% QoQ
 -22.66x 24.15x 18.97x 20.23x 39%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
-0.2pp QoQ
 0.0pp 0.1% 0.1% 0.2% 84%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 9.5%
+6.2pp YoY
+1.0pp QoQ
 -2.7pp 12.2% 12.8% 11.6% 33%
Cost of Funds (YTD) 1.5%
0.0pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.8% 1.7% 39%
Net Income ($, YTD) $1.8M
+220.9% YoY
— QoQ
 -$710K $2.6M $4.0M $40.4M 49%

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 (3)

Deposit Outflow

decline
#11 of 535 • Bottom 1.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Flatlined Growth

risk
#77 of 529 • Bottom 14.4% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.78%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Credit Quality Pressure

risk
#510 of 1256 • Bottom 40.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.87%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

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)

199
Non-Interest Income / Assets
revenue_mix
Value: 0.57%
Peer Median: 0.57%
#199 of 2643 Top 7.5% in $100M-$1B
480
Non-Interest-Bearing Deposit Share
funding
Value: 29.93%
Peer Median: 22.03%
#480 of 2643 Top 18.1% in $100M-$1B

Top Weaknesses (3 metrics)

2235
Efficiency Ratio
profitability
Value: 78.51%
Peer Median: 64.48%
#2235 of 2643 Bottom 15.5% in $100M-$1B
2150
Net Interest Margin
profitability
Value: 3.28%
Peer Median: 3.99%
#2150 of 2643 Bottom 18.7% in $100M-$1B
2049
Return on Assets
profitability
Value: 0.78%
Peer Median: 1.32%
#2049 of 2643 Bottom 22.5% in $100M-$1B
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