Covington, LA · Cert 19234 · American Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
24
Asset Quality
9
Profitability
45
Liquidity
97
Efficiency
19
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Covington, LA · Cert 19234 · American Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Slidell-Mandeville-Covington, LA · 2026 SOD (annual) · 1.0% share · #15 of 26 inst. · $0.1B of $7.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.73% | 1.80% | 1.18% | 0.99% | 1.18% | 0.18% | 0.63% | -54 bps | |
| Return on Equity | 6.35% | 7.56% | 16.55% | 10.72% | 8.95% | 10.66% | 1.61% | 5.73% | -498 bps | |
| Net Interest Margin | 4.68% | 4.72% | 6.08% | 5.45% | 5.40% | 5.52% | 4.63% | 5.12% | -33 bps | |
| Efficiency Ratio | 76.37% | 76.48% | 57.30% | 67.19% | 71.42% | 70.42% | 84.98% | 79.09% | +1,189 bps | |
| Non-Interest Burden | 3.39% | 3.42% | 2.78% | 3.26% | 3.55% | 3.54% | 3.81% | 3.88% | +61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.78% | 10.56% | 5.24% | -2.44% | -2.86% | 2.74% | 9.83% | 10.90% | +1,334 bps | |
| Loan Growth (YoY) | 14.57% | 5.10% | -7.17% | -6.95% | -11.02% | -6.02% | 3.84% | 6.12% | +1,308 bps | |
| Deposit Growth (YoY) | 22.78% | 12.56% | 7.89% | -3.55% | -3.86% | 1.66% | 10.29% | 11.11% | +1,465 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.48% | 3.65% | 3.48% | 2.78% | 2.28% | 2.76% | 3.33% | 5.04% | +226 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.61% | 0.98% | 0.75% | 0.59% | 0.15% | 0.12% | -87 bps | |
| Allowance / Loans | 1.43% | 1.56% | 1.78% | 1.55% | 1.72% | 1.74% | 1.83% | 1.80% | +25 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.5x | 0.6x | 0.8x | 0.6x | 0.5x | 0.4x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.10% | 9.90% | 10.63% | 10.34% | 10.29% | 10.58% | 10.33% | 10.08% | -25 bps | |
| Total Risk-Based Capital | 9.10% | 9.90% | 10.63% | 10.34% | 10.29% | 10.58% | 10.33% | 10.08% | -25 bps | |
| Equity / Assets | 9.47% | 10.63% | 11.14% | 11.15% | 11.14% | 11.49% | 10.85% | 10.89% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.30% | 84.26% | 80.25% | 80.84% | 76.17% | 77.91% | 75.56% | 77.21% | -363 bps | |
| Liquid Assets / Assets | 21.12% | 19.35% | 22.34% | 20.12% | 23.33% | 21.77% | 23.36% | 22.36% | +224 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 443% | 438% | 462% | n/a | n/a | |
Covington, LA · Cert 19234 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · American Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
0.61%
Rank 603 of 746
Net Interest Margin
5.12%
Rank 23 of 746
Efficiency Ratio
79.09%
Rank 608 of 746
Equity / Assets
10.89%
Rank 332 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.61% | 0.72% | 1.06% | 1.45% | Beats 19% | 603 / 746 | ||
| Return on Equity | 5.64% | 6.74% | 10.51% | 13.63% | Beats 20% | 595 / 746 | ||
| Net Interest Margin | 5.12% | 3.17% | 3.68% | 4.16% | Beats 97% | 23 / 746 | ||
| Efficiency Ratio | 79.09% | 55.74% | 64.58% | 75.47% | Beats 19% | 608 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 5.04% | 0.09% | 0.42% | 1.07% | Beats 2% | 730 / 743 | ||
| Net Charge-Offs / Loans | 0.09% | 0.00% | 0.01% | 0.05% | Beats 16% | 623 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.08% | 11.55% | 13.75% | 17.60% | Beats 9% | 676 / 746 | ||
| Total Risk-Based Capital Ratio | 10.08% | 11.71% | 14.33% | 18.43% | Beats 9% | 681 / 746 | ||
| Equity / Assets | 10.89% | 8.90% | 10.51% | 13.06% | Beats 55% | 332 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.21% | 61.31% | 78.27% | 90.78% | 48th pctl | 388 / 746 | ||
| Loans / Assets | 67.94% | 53.60% | 66.97% | 76.08% | 52nd pctl | 355 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||