$2.24B
+15.6%y/y
Percentile by value80th percentileby value
FDIC
ASSETAB
American Bank & Trust
Sioux Falls, South DakotaFDIC Cert #1117
STATEEstablished 189220 branches
Holding company: LEACKCO BANK HOLDING CO INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportAmerican Bank & Trust reported $2.24B in total assets. Deposits grew 13.27% over the prior year.
Return on assets was 1.23%, compared with an asset-peer median of 1.16%. The leverage ratio was 11.49%.
- Why is Total Assets above asset peers?
- Why is Efficiency Ratio below asset peers?
- Why is Deposit Growth, Year over Year above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$1.96B
+13.3%y/y
Percentile by value83rd percentileby value
FDIC
DEP$1.54B
+9.1%y/y
Percentile by value77th percentileby value
FDIC
LNLSNET1.23%
+16 bpsy/y
Peer standing54th percentile
FDIC
NETINC + ROA55.85%
−434 bpsy/y
Peer standing65th percentile
FDIC
NONIX + NIM + NONII + EEFFR11.49%
+231 bpsy/y
Peer standing68th percentile
FDIC
RBC1AAJPercentiles compare this bank with 629 banks from $1 billion to $3 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $1.23B | $1.06B |
| Q3 2021 | $1.29B | $1.13B |
| Q4 2021 | $1.32B | $1.14B |
| Q1 2022 | $1.37B | $1.21B |
| Q2 2022 | $1.38B | $1.22B |
| Q3 2022 | $1.42B | $1.25B |
| Q4 2022 | $1.47B | $1.31B |
| Q1 2023 | $1.51B | $1.33B |
| Q2 2023 | $1.53B | $1.34B |
| Q3 2023 | $1.65B | $1.46B |
| Q4 2023 | $1.71B | $1.52B |
| Q1 2024 | $1.75B | $1.56B |
| Q2 2024 | $1.75B | $1.53B |
| Q3 2024 | $1.85B | $1.63B |
| Q4 2024 | $1.9B | $1.7B |
| Q1 2025 | $1.94B | $1.73B |
| Q2 2025 | $1.96B | $1.74B |
| Q3 2025 | $2.02B | $1.75B |
| Q4 2025 | $2.15B | $1.87B |
| Q1 2026 | $2.24B | $1.96B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $79.6M |
| Investor CRE | $270M |
| Multifamily | $174M |
| Construction | $65.1M |
| 1–4 family | $128M |
| C&I | $271M |
| Agriculture | $518M |
| Other | $55.3M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.23%54th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE11.52%49th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY3.72%54th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR55.85%65th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP+13.27%86th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET+9.06%69th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.60%44th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ11.49%68th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.42%61st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC191%37th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.23%40th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.44%Median 1.35%90th 2.58%Observations 58
ROE
FDIC
NETINC + ROE11.52%39th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.83%Median 13.03%90th 24.66%Observations 58
NIM
FDIC
NIM + NIMY3.72%49th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.99%Median 3.74%90th 6.06%Observations 58
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR55.85%61st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 41.47%Median 59.23%90th 81.90%Observations 58
Deposits YoY
FDIC
DEP+13.27%93rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.68%Median +5.29%90th +11.82%Observations 56
Loans YoY
FDIC
LNLSNET+9.06%64th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +7.39%90th +15.05%Observations 56
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.60%38th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.30%90th 1.43%Observations 56
Leverage
FDIC
RBC1AAJ11.49%54th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.52%Median 11.01%90th 17.74%Observations 58
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.42%45th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.82%Median 2.39%90th 3.95%Observations 56
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC191%79th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 1%Median 60%90th 215%Observations 39
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.23%56th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.27%Median 1.15%90th 2.61%Observations 10
ROE
FDIC
NETINC + ROE11.52%56th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.98%Median 11.39%90th 17.15%Observations 10
NIM
FDIC
NIM + NIMY3.72%44th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.51%Median 3.84%90th 8.22%Observations 10
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR55.85%78th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 43.83%Median 68.04%90th 83.46%Observations 10
Deposits YoY
FDIC
DEP+13.27%88th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +3.83%Median +8.63%90th +15.32%Observations 9
Loans YoY
FDIC
LNLSNET+9.06%75th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.38%Median +7.60%90th +10.70%Observations 9
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.60%88th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.57%Median 0.97%90th 1.52%Observations 9
Leverage
FDIC
RBC1AAJ11.49%56th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.85%Median 11.07%90th 27.99%Observations 10
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.42%50th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.85%Median 2.42%90th 3.60%Observations 9
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC191%50th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 74%Median 191%90th 207%Observations 7
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 20 branches
- Headquarters
- Sioux Falls, SD
FDIC
OFFDOMOpen the South Dakota dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data