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American Bank

Covington, LA · Cert 19234 · American Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$366.6MAssets
$249.1MLoans
$322.6MDeposits
$39.9MEquity
Loan mix
91%RE $217.6M8%C&I $19.5M1%Consumer $1.8MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $226.2M30%Noninterest $96.4MQ2 2025Q2 2026

NIM

7.36%Q2 ’247.58%Q2 ’257.12%Q2 ’26+6%-6%

Non-interest income vs. expense

4.38%Q2 ’244.39%Q2 ’254.50%Q2 ’26-9%+19%

Market Position · Slidell-Mandeville-Covington, LA · 2026 SOD (annual) · 1.0% share · #15 of 26 inst. · $0.1B of $7.9B

40.0% Red River
1.0% St. Tammany
0.4% Jefferson
1.2% Tangipahoa

Executive Summary

  • Earnings: ROA of 0.63%, down 54 bps year over year; NIM at 5.12%.
  • Asset quality: problem loans at 5.04% of loans (+226 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 10.08%, down 25 bps from a year ago.
  • Funding: loans stand at 77.21% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.63%-54 bps YoY

Net Interest Margin (YTD, annualized)

5.12%-33 bps YoY

Efficiency Ratio (YTD, annualized)

79.09%+1,189 bps YoY

Tier 1 Leverage Ratio

10.08%-25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%0.99%1.18%0.18%0.63%-54 bps
Return on Equity10.72%8.95%10.66%1.61%5.73%-498 bps
Net Interest Margin5.45%5.40%5.52%4.63%5.12%-33 bps
Efficiency Ratio67.19%71.42%70.42%84.98%79.09%+1,189 bps
Non-Interest Burden3.26%3.55%3.54%3.81%3.88%+61 bps
Growth
Asset Growth (YoY)-2.44%-2.86%2.74%9.83%10.90%+1,334 bps
Loan Growth (YoY)-6.95%-11.02%-6.02%3.84%6.12%+1,308 bps
Deposit Growth (YoY)-3.55%-3.86%1.66%10.29%11.11%+1,465 bps
Asset Quality
Nonperforming Loans / Loans2.78%2.28%2.76%3.33%5.04%+226 bps
Net Charge-Offs / Loans0.98%0.75%0.59%0.15%0.12%-87 bps
Allowance / Loans1.55%1.72%1.74%1.83%1.80%+25 bps
Allowance Coverage of NPLs0.6x0.8x0.6x0.5x0.4x-0.2x
Capital
Tier 1 Leverage Ratio10.34%10.29%10.58%10.33%10.08%-25 bps
Total Risk-Based Capital10.34%10.29%10.58%10.33%10.08%-25 bps
Equity / Assets11.15%11.14%11.49%10.85%10.89%-26 bps
Liquidity & Funding
Loans / Deposits80.84%76.17%77.91%75.56%77.21%-363 bps
Liquid Assets / Assets20.12%23.33%21.77%23.36%22.36%+224 bps
CRE / Total Capitaln/a443%438%462%n/an/a