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American Bank and Trust Company, National Association

Davenport, IA · Cert 34955 · Ambank Holdings Inc.

National charter · OCC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets (n=581 to 629). 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

42

Q2 2024Q2 2026peer median (50)

Asset Quality

26

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

79

Q2 2024Q2 2026peer median

Efficiency

26

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 and Trust Company, National Association

Davenport, IA · Cert 34955 · Ambank Holdings Inc.

National charter · OCC · 6 branches

Q2 2026

$480.9MAssets
$331.5MLoans
$387.8MDeposits
$40.3MEquity
Loan mix
82%RE $263.9M17%C&I $54.8M1%Consumer $4.6MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $271.7M30%Noninterest $116.0MQ2 2025Q2 2026

NIM

4.18%Q2 ’244.26%Q2 ’254.31%Q2 ’26+6%+3%

Non-interest income vs. expense

2.66%Q2 ’243.37%Q2 ’253.19%Q2 ’26+34%-20%

Market Position · Davenport-Moline-Rock Island, IA-IL · 2026 SOD (annual) · 3.3% share · #9 of 29 inst. · $0.3B of $10.5B

3.3% Scott
5.8% Rock Island
0.3% Kane

Executive Summary

  • Earnings: ROA of 0.78%, up 55 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 0.86% of loans (+12 bps YoY), with net charge-offs at 0.18%.
  • Capital: tier 1 leverage ratio of 10.06%, up 30 bps from a year ago.
  • Funding: loans stand at 85.49% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.78%+55 bps YoY

Net Interest Margin (YTD, annualized)

2.95%+9 bps YoY

Efficiency Ratio (YTD, annualized)

78.51%-1,409 bps YoY

Tier 1 Leverage Ratio

10.06%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%0.40%0.43%0.70%0.78%+55 bps
Return on Equity3.26%5.72%5.93%8.48%9.47%+621 bps
Net Interest Margin2.86%2.92%3.02%2.95%2.95%+9 bps
Efficiency Ratio92.60%90.51%88.69%82.00%78.51%-1,409 bps
Non-Interest Burden2.58%2.57%2.56%2.20%2.05%-53 bps
Growth
Asset Growth (YoY)-8.46%-1.75%-10.04%-7.21%-0.58%+788 bps
Loan Growth (YoY)-8.29%-8.94%-5.33%-3.24%-0.14%+815 bps
Deposit Growth (YoY)-5.82%-10.63%-11.23%-8.11%-11.05%-523 bps
Asset Quality
Nonperforming Loans / Loans0.74%0.58%0.04%0.54%0.86%+12 bps
Net Charge-Offs / Loans-0.02%0.00%0.01%0.38%0.18%+20 bps
Allowance / Loans1.37%1.37%1.40%1.29%1.28%-9 bps
Allowance Coverage of NPLs1.9x2.4x32.2x2.4x1.5x-0.4x
Capital
Tier 1 Leverage Ratio9.76%10.32%10.22%10.16%10.06%+30 bps
Total Risk-Based Capital15.94%16.70%14.25%15.84%15.43%-51 bps
Equity / Assets7.47%6.83%8.04%8.40%8.38%+90 bps
Liquidity & Funding
Loans / Deposits76.15%80.68%77.08%81.18%85.49%+934 bps
Liquid Assets / Assets17.89%22.37%17.24%15.75%15.39%-249 bps
CRE / Total Capitaln/a362%369%376%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 and Trust Company, National Association

Davenport, IA · Cert 34955 · Peer group: banks under $1B in assets (n=581-629) · Ambank Holdings Inc.

National charter · OCC · 6 branches

Q2 2026

$480.9MAssets
$331.5MLoans
$387.8MDeposits
$40.3MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 57% of banks under $1B in assets (rank 269 of 629).
  • Widest gap: equity / assets trails 85% of banks under $1B in assets (rank 534 of 629).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.77%

Rank 426 of 629

Net Interest Margin

2.95%

Rank 488 of 629

Efficiency Ratio

78.51%

Rank 466 of 629

Equity / Assets

8.38%

Rank 534 of 629

Non-interest income vs. expense

$5.5M$15.3MINCOMEEXPENSE
Unfavorable gap of $9.9M · efficiency ratio beats 26% of banks under $1B in assets
Bank 78.51%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.77%0.60%1.01%1.45%Beats 32%426 / 629
Return on Equity9.16%5.38%9.30%13.28%Beats 48%326 / 629
Net Interest Margin2.95%3.03%3.54%4.05%Beats 22%488 / 629
Efficiency Ratio78.51%58.35%67.79%79.08%Beats 26%466 / 629
Asset Quality
Nonperforming Loans / Loans0.86%0.09%0.46%1.20%Beats 34%385 / 581
Net Charge-Offs / Loans0.10%n/a0.01%0.06%Beats 18%476 / 581
Capital
Tier 1 Capital Ratio14.18%11.24%13.84%18.77%Beats 53%296 / 629
Total Risk-Based Capital Ratio15.43%11.58%14.43%19.66%Beats 57%269 / 629
Equity / Assets8.38%9.09%10.65%13.80%Beats 15%534 / 629
Liquidity & Funding
Loans / Deposits85.49%67.24%80.90%93.48%59th pctl244 / 594
Loans / Assets68.94%53.31%67.71%78.15%53rd pctl297 / 629
Brokered Deposits / Depositsn/aNot reported for this institution