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
Unfavorable gap of $13.6M · efficiency ratio beats 87% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.26% | 0.91% | 1.22% | 1.52% | Beats 54% | 152 / 328 | |
| Return on Equity | 12.19% | 8.43% | 11.45% | 14.43% | Beats 56% | 143 / 328 | |
| Net Interest Margin | 2.96% | 3.03% | 3.45% | 3.83% | Beats 22% | 256 / 328 | |
| Efficiency Ratio | 46.62% | 51.61% | 59.56% | 67.53% | Beats 87% | 43 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.24% | 0.51% | 1.03% | Beats 100% | 8 / 322 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 100% | 18 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 12.07% | 11.75% | 13.15% | 15.47% | Beats 32% | 224 / 328 | |
| Total Risk-Based Capital Ratio | 12.99% | 12.63% | 14.15% | 16.46% | Beats 30% | 230 / 328 | |
| Equity / Assets | 10.33% | 9.15% | 10.33% | 12.01% | Beats 50% | 164 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 98.82% | 76.63% | 87.92% | 95.36% | 82nd pctl | 57 / 323 | |
| Loans / Assets | 81.31% | 65.18% | 74.15% | 79.98% | 80th pctl | 67 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |