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Letter portraitLegal landscapeQuarterYTD

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