American Bank, National Association
Total assets
$533.0M
▲ +0.8% YoY
Deposits
$445.0M
▲ +3.1% YoY
Loans
$479.4M
▲ +3.5% YoY
Offices
2
AMBANK CO INC
ROA (annualized)
1.85%
peers 1.28%
ROE (annualized)
17.48%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +4.9% | -4.1 pts |
| Deposit growth (YoY) | +3.1% | +4.3% | -1.3 pts |
| Loan growth (YoY) | +3.5% | +5.3% | -1.9 pts |
| ROA | 1.85% | 1.28% | +0.6 pts |
| ROE | 17.5% | 12.4% | +5.0 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
Profile
- Established
- 1887
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- AMBANK CO INC
- Specialization
- Agricultural Specialization
- Address
- 234 5th Ave Sw, Le Mars, IA, 51031
- County
- Plymouth
- Offices
- 2
- FDIC cert #
- 5800
- RSSD ID
- 345345
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $533.0M | $445.0M | $479.4M | $58.2M | $5.0M | 1.85% | 3.73% | 0.00% |
| Q1 2026 | $546.5M | $436.5M | $488.8M | $57.1M | $2.3M | 1.68% | 3.57% | 0.01% |
| Q4 2025 | $554.1M | $456.4M | $495.4M | $57.5M | $8.1M | 1.49% | 3.30% | 0.09% |
| Q3 2025 | $534.9M | $444.8M | $470.7M | $54.9M | $5.5M | 1.37% | 3.27% | 0.09% |
| Q2 2025 | $528.6M | $431.8M | $463.3M | $53.7M | $3.3M | 1.24% | 3.17% | 0.09% |
| Q1 2025 | $551.9M | $437.8M | $471.7M | $53.6M | $1.6M | 1.20% | 3.06% | 0.14% |
| Q4 2024 | $538.3M | $420.4M | $460.9M | $52.9M | $5.2M | 0.95% | 2.88% | 0.12% |
| Q3 2024 | $540.9M | $411.4M | $459.5M | $51.8M | $4.1M | 1.00% | 2.86% | 0.14% |
Loan mix (Q2 2026): real estate $293.0M · commercial $44.0M · consumer $3.5M · securities $4.7M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 1.28% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 17.5% | 12.4% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.89% | 40th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.6% | 61.2% | 15th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- CUSB BankCresco, IA · $812.1M
- Premier BankRock Valley, IA · $826.5M
- BankIowaCedar Rapids, IA · $846.2M
- VISIONBANK OF IOWAAmes, IA · $896.1M
- Minster BankMinster, OH · $811.6M
- PromiseOne BankDuluth, GA · $812.2M
Selling to American Bank, National Association?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.