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American Bank

Allentown, PA · Cert 34422 · American Bank Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

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.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

37

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

20

Q2 2024Q2 2026peer median

Efficiency

87

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

American Bank

Allentown, PA · Cert 34422 · American Bank Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$1.1BAssets
$904.1MLoans
$914.8MDeposits
$114.9MEquity
Loan mix
88%RE $757.1M12%C&I $102.4M0%Consumer $1.5MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $830.7M9%Noninterest $84.2MQ2 2025Q2 2026

NIM

4.89%Q2 ’245.32%Q2 ’255.39%Q2 ’26+9%+5%

Non-interest income vs. expense

1.55%Q2 ’241.54%Q2 ’251.49%Q2 ’26-19%+14%

Market Position · Allentown-Bethlehem-Easton, PA-NJ · 2026 SOD (annual) · 4.0% share · #8 of 32 inst. · $0.9B of $22.9B

Executive Summary

  • Earnings: ROA of 1.28%, down 4 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.60%, down 43 bps from a year ago.
  • Funding: loans stand at 98.82% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.28%-4 bps YoY

Net Interest Margin (YTD, annualized)

2.96%+15 bps YoY

Efficiency Ratio (YTD, annualized)

46.62%-70 bps YoY

Tier 1 Leverage Ratio

10.60%-43 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.33%1.33%1.37%1.31%1.28%-4 bps
Return on Equity12.51%12.51%12.93%12.79%12.52%+1 bps
Net Interest Margin2.81%2.77%2.76%2.95%2.96%+15 bps
Efficiency Ratio47.32%48.49%47.78%47.03%46.62%-70 bps
Non-Interest Burden1.10%1.12%1.09%1.24%1.25%+16 bps
Growth
Asset Growth (YoY)10.57%9.39%9.19%7.84%9.24%-133 bps
Loan Growth (YoY)7.66%3.18%5.10%5.00%9.92%+226 bps
Deposit Growth (YoY)11.64%13.05%12.96%11.27%11.28%-35 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.04%0.04%0.04%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%0.00%0.00%+1 bps
Allowance / Loans0.93%0.92%0.92%0.91%0.93%0 bps
Allowance Coverage of NPLsn/a24.6x24.7x25.0xn/an/a
Capital
Tier 1 Leverage Ratio11.03%10.80%10.29%10.34%10.60%-43 bps
Total Risk-Based Capital13.48%13.51%13.22%13.02%12.99%-49 bps
Equity / Assets10.78%10.84%10.21%10.20%10.33%-45 bps
Liquidity & Funding
Loans / Deposits100.05%98.44%94.48%95.39%98.82%-123 bps
Liquid Assets / Assets7.47%4.47%3.89%2.85%2.42%-505 bps
CRE / Total Capitaln/a537%543%560%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

American Bank

Allentown, PA · Cert 34422 · Peer group: banks $1B-$10B in assets (n=322-328) · American Bank Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$1.1BAssets
$904.1MLoans
$914.8MDeposits
$114.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks $1B-$10B in assets (rank 8 of 322).
  • Widest gap: net interest margin trails 78% of banks $1B-$10B in assets (rank 256 of 328).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.26%

Rank 152 of 328

Net Interest Margin

2.96%

Rank 256 of 328

Efficiency Ratio

46.62%

Rank 43 of 328

Equity / Assets

10.33%

Rank 164 of 328

Non-interest income vs. expense

$2.5M$16.2MINCOMEEXPENSE
Unfavorable gap of $13.6M · efficiency ratio beats 87% of banks $1B-$10B in assets
Bank 46.62%Peer median 59.6%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.26%0.91%1.22%1.52%Beats 54%152 / 328
Return on Equity12.19%8.43%11.45%14.43%Beats 56%143 / 328
Net Interest Margin2.96%3.03%3.45%3.83%Beats 22%256 / 328
Efficiency Ratio46.62%51.61%59.56%67.53%Beats 87%43 / 328
Asset Quality
Nonperforming Loans / Loans0.00%0.24%0.51%1.03%Beats 100%8 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 100%18 / 322
Capital
Tier 1 Capital Ratio12.07%11.75%13.15%15.47%Beats 32%224 / 328
Total Risk-Based Capital Ratio12.99%12.63%14.15%16.46%Beats 30%230 / 328
Equity / Assets10.33%9.15%10.33%12.01%Beats 50%164 / 328
Liquidity & Funding
Loans / Deposits98.82%76.63%87.92%95.36%82nd pctl57 / 323
Loans / Assets81.31%65.18%74.15%79.98%80th pctl67 / 328
Brokered Deposits / Depositsn/aNot reported for this institution