American Bank & Trust
Total assets
$2.25B
▲ +14.7% YoY
Deposits
$1.95B
▲ +11.9% YoY
Loans
$1.57B
▲ +5.6% YoY
Offices
20
LEACKCO BANK HOLDING CO INC
ROA (annualized)
1.34%
peers 1.26%
ROE (annualized)
12.50%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | American Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.7% | +5.5% | +9.2 pts |
| Deposit growth (YoY) | +11.9% | +5.1% | +6.9 pts |
| Loan growth (YoY) | +5.6% | +5.9% | -0.3 pts |
| ROA | 1.34% | 1.26% | +0.1 pts |
| ROE | 12.5% | 12.2% | +0.3 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
Profile
- Established
- 1892
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- LEACKCO BANK HOLDING CO INC
- Specialization
- Agricultural Specialization
- Address
- 6810 S Minnesota Ave, Sioux Falls, SD, 57108
- County
- Lincoln
- Metro area
- Sioux Falls, SD
- Offices
- 20
- FDIC cert #
- 1117
- RSSD ID
- 275358
- 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 | $2.25B | $1.95B | $1.57B | $245.5M | $14.9M | 1.34% | 3.82% | 0.40% |
| Q1 2026 | $2.24B | $1.96B | $1.54B | $239.6M | $6.7M | 1.23% | 3.72% | 0.42% |
| Q4 2025 | $2.15B | $1.87B | $1.53B | $228.0M | $25.4M | 1.27% | 3.82% | 0.41% |
| Q3 2025 | $2.02B | $1.75B | $1.50B | $220.0M | $17.5M | 1.19% | 3.78% | 0.37% |
| Q2 2025 | $1.96B | $1.74B | $1.49B | $170.5M | $11.6M | 1.20% | 3.68% | 0.01% |
| Q1 2025 | $1.94B | $1.73B | $1.42B | $163.0M | $5.1M | 1.07% | 3.48% | 0.01% |
| Q4 2024 | $1.90B | $1.70B | $1.42B | $155.7M | $20.3M | 1.13% | 3.49% | 0.00% |
| Q3 2024 | $1.85B | $1.63B | $1.40B | $157.3M | $14.7M | 1.11% | 3.48% | 0.15% |
Loan mix (Q2 2026): real estate $859.0M · commercial $275.9M · consumer $27.4M · securities $331.2M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | American Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 1.26% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 12.2% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.70% | 57th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.4% | 59.0% | 33th | |
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 | American Bank & Trust | 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 | American Bank & Trust | 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 | American Bank & Trust | 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 | American Bank & Trust | 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.
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