Allentown, PA · Cert 34422 · American Bank Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Allentown-Bethlehem-Easton, PA-NJ · 2026 SOD (annual) · 4.0% share · #8 of 32 inst. · $0.9B of $22.9B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.33% | 1.33% | 1.37% | 1.31% | 1.28% | -4 bps | |
| Return on Equity | 12.51% | 12.51% | 12.93% | 12.79% | 12.52% | +1 bps | |
| Net Interest Margin | 2.81% | 2.77% | 2.76% | 2.95% | 2.96% | +15 bps | |
| Efficiency Ratio | 47.32% | 48.49% | 47.78% | 47.03% | 46.62% | -70 bps | |
| Non-Interest Burden | 1.10% | 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 / Loans | 0.00% | 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 / Loans | 0.93% | 0.92% | 0.92% | 0.91% | 0.93% | 0 bps | |
| Allowance Coverage of NPLs | n/a | 24.6x | 24.7x | 25.0x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.03% | 10.80% | 10.29% | 10.34% | 10.60% | -43 bps | |
| Total Risk-Based Capital | 13.48% | 13.51% | 13.22% | 13.02% | 12.99% | -49 bps | |
| Equity / Assets | 10.78% | 10.84% | 10.21% | 10.20% | 10.33% | -45 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 100.05% | 98.44% | 94.48% | 95.39% | 98.82% | -123 bps | |
| Liquid Assets / Assets | 7.47% | 4.47% | 3.89% | 2.85% | 2.42% | -505 bps | |
| CRE / Total Capital | n/a | 537% | 543% | 560% | n/a | n/a | |