American Bank & Trust Company
Opelousas, LA · Cert 17906 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · American Bcorp Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
$267.0MAssets
$193.1MLoans
$221.7MDeposits
$26.8MEquity
Executive Summary
- Strongest standing: return on equity outperforms 79% of banks under $1B in assets operating in a single state (rank 156 of 746).
- Widest gap: total risk-based capital ratio trails 75% of banks under $1B in assets operating in a single state (rank 560 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.43%
Rank 198 of 746
Net Interest Margin
4.17%
Rank 186 of 746
Efficiency Ratio
57.67%
Rank 236 of 746
Equity / Assets
10.02%
Rank 426 of 746
Non-interest income vs. expense
Unfavorable gap of $5.9M · efficiency ratio beats 68% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.43% | 0.72% | 1.06% | 1.45% | Beats 73% | 198 / 746 | |
| Return on Equity | 14.28% | 6.74% | 10.51% | 13.63% | Beats 79% | 156 / 746 | |
| Net Interest Margin | 4.17% | 3.17% | 3.68% | 4.16% | Beats 75% | 186 / 746 | |
| Efficiency Ratio | 57.67% | 55.74% | 64.58% | 75.47% | Beats 68% | 236 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.47% | 0.09% | 0.42% | 1.07% | Beats 48% | 391 / 743 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 55% | 338 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 11.71% | 11.55% | 13.75% | 17.60% | Beats 27% | 546 / 746 | |
| Total Risk-Based Capital Ratio | 11.71% | 11.71% | 14.33% | 18.43% | Beats 25% | 560 / 746 | |
| Equity / Assets | 10.02% | 8.90% | 10.51% | 13.06% | Beats 43% | 426 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 87.08% | 61.31% | 78.27% | 90.78% | 68th pctl | 235 / 746 | |
| Loans / Assets | 72.29% | 53.60% | 66.97% | 76.08% | 64th pctl | 271 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |