American Bank
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
$366.6MAssets
$249.1MLoans
$322.6MDeposits
$39.9MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 97% of banks under $1B in assets operating in a single state (rank 23 of 746).
- Widest gap: nonperforming loans / loans trails 98% of banks under $1B in assets operating in a single state (rank 730 of 743).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $14.0M · efficiency ratio beats 19% of banks under $1B in assets operating in a single state | 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 |