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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Le Mars, IA · FDIC certificate #5800
AMERICAN BANK NATIONAL ASSN is an FDIC-insured institution based in Le Mars, IA (FDIC certificate #5800). In its Q3 2026 Call Report it reported total assets of $544M, total deposits of $436M and net loans of $492M. Its primary federal regulator is OCC.
Plain-language readout
AMERICAN BANK NATIONAL ASSN has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $547M in Q1 2026 and were lowest at $533M in Q2 2026.
Total deposits were highest at $445M in Q2 2026 and lowest at $436M in Q3 2026.
Over the whole period total assets fell 0.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $544M | $436M | $492M | 1.88% | 17.61% | 3.72% |
| Q2 2026 | $533M | $445M | $479M | 1.85% | 17.48% | 3.73% |
| Q1 2026 | $547M | $437M | $489M | 1.68% | 16.15% | 3.57% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $25.5M | $28.1M | -$2.6M | -9.1% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $4.7M | $5.7M | -$1.1M | -18.9% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $179K | $349K | -$170K | -48.7% |
| Net loans and leases (after allowance) | $479.2M | $488.5M | -$9.3M | -1.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $11.2M | $11.5M | -$239K | -2.1% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $1.7M | $1.7M | +$5K | +0.3% |
| All other assets | $10.6M | $10.7M | -$148K | -1.4% |
| Total assets | $533.1M | $546.5M | -$13.5M | -2.5% |
| Liabilities | ||||
| Total deposits | $445.0M | $436.5M | +$8.5M | +1.9% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $27.0M | $50.1M | -$23.1M | -46.1% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.9M | $2.8M | +$79K | +2.8% |
| Total liabilities | $474.9M | $489.4M | -$14.5M | -3.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $300K | $300K | $0K | 0.0% |
| Surplus | $4.7M | $4.7M | $0K | 0.0% |
| Retained earnings | $53.2M | $52.1M | +$1.1M | +2.1% |
| Accumulated other comprehensive income | $22K | $17K | +$5K | +29.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $58.2M | $57.1M | +$1.1M | +1.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $20K | $41K | -$21K | -51.2% |
| Adjusted nonperforming assets | $20K | $41K | -$21K | -51.2% |
| Tangible equity plus allowance | $62.2M | $60.9M | +$1.2M | +2.0% |
| Texas ratio (gross) | 0.03% | 0.07% | -0.04 pts | See points |
| Texas ratio (adjusted) | 0.03% | 0.07% | -0.04 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.03% | 0.07% | -0.04 pts | See points |
| Tier 1 capital to risk-weighted assets | 11.95% | 11.48% | +0.46 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 11.95% | 11.48% | +0.46 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.19% | 1.13% | +0.06 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.13% | 12.61% | +0.52 pts | See points |
| Tier 1 leverage (approximate) | 10.68% | 10.31% | +0.37 pts | See points |
| Construction and land loans to total capital | 15.59% | 12.91% | +2.67 pts | See points |
| Commercial real estate to total capital | 40.83% | 36.90% | +3.93 pts | See points |
| Dividend payout, year to date | 86.13% | 116.08% | -29.95 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | 0.04% | 0.03% | +0.01 pts | See points |
| Liquidity | ||||
| Core deposits | $365.9M | $371.7M | -$5.8M | -1.6% |
| Non-core funding | $106.1M | $114.9M | -$8.8M | -7.7% |
| Loans to core deposits | 132.51% | 132.89% | -0.39 pts | See points |
| Loans to deposits | 108.96% | 113.16% | -4.20 pts | See points |
| Brokered deposits share of deposits | 3.80% | 2.19% | +1.60 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 48.79% | 48.67% | +0.12 pts | See points |
| Volatile liabilities | $110.1M | $119.0M | -$8.8M | -7.4% |
| Earnings | ||||
| Earnings before provision, year to date | $5.5M | $2.5M | +$2.9M | +115.1% |
| Earnings before provision, single quarter | $2.9M | $2.5M | +$383K | +15.1% |
| Provision for credit losses, year to date | $250K | $150K | +$100K | +66.7% |
| Yield and cost | ||||
| Yield on loans and leases | 6.23% | 6.03% | +0.20 pts | See points |
| Yield on interest-bearing balances due from banks | 4.06% | 3.43% | +0.63 pts | See points |
| Total interest income to average assets | 5.89% | 5.61% | +0.27 pts | See points |
| Cost of interest-bearing transaction accounts | 0.92% | 0.84% | +0.08 pts | See points |
| Cost of savings and money market deposits | 1.92% | 1.92% | -0.00 pts | See points |
| Cost of time deposits | 3.81% | 3.88% | -0.07 pts | See points |
| Total interest expense to average assets | 2.23% | 2.24% | -0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $544M | $436M | $492M | 1.88% | 17.61% | 3.72% |
| 2026-06-30 | $533M | $445M | $479M | 1.85% | 17.48% | 3.73% |
| 2026-03-31 | $547M | $437M | $489M | 1.68% | 16.15% | 3.57% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IA | $431.8M | 0.34% | 61 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.