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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Elkhorn, NE · FDIC certificate #1439
AMERICAN INTERSTATE BANK is an FDIC-insured institution based in Elkhorn, NE (FDIC certificate #1439). In its Q3 2026 Call Report it reported total assets of $115M, total deposits of $87M and net loans of $72M. Its primary federal regulator is FDIC.
Plain-language readout
AMERICAN INTERSTATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $132M in Q2 2026 and were lowest at $115M in Q3 2026.
Total deposits were highest at $105M in Q2 2026 and lowest at $87M in Q3 2026.
Over the whole period total assets fell 9.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $115M | $87M | $72M | 3.67% | 18.00% | 5.40% |
| Q2 2026 | $132M | $105M | $72M | 3.61% | 18.71% | 5.31% |
| Q1 2026 | $128M | $102M | $66M | 3.44% | 18.20% | 5.12% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $58.0M | $59.8M | -$1.8M | -3.0% |
| 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) | $0K | $0K | $0K | n/a |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $72.2M | $66.2M | +$6.0M | +9.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.1M | $1.1M | -$21K | -1.9% |
| 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) | $0K | $0K | $0K | n/a |
| All other assets | $770K | $810K | -$40K | -4.9% |
| Total assets | $132.0M | $127.8M | +$4.2M | +3.3% |
| Liabilities | ||||
| Total deposits | $105.3M | $102.4M | +$2.9M | +2.8% |
| 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 | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $207K | $150K | +$57K | +38.0% |
| Total liabilities | $105.5M | $102.5M | +$2.9M | +2.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $340K | $340K | $0K | 0.0% |
| Surplus | $19.7M | $19.7M | $0K | 0.0% |
| Retained earnings | $6.6M | $5.3M | +$1.2M | +23.5% |
| Accumulated other comprehensive income | $0K | $0K | $0K | n/a |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $26.6M | $25.3M | +$1.2M | +4.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $27.9M | $26.6M | +$1.2M | +4.7% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 20.06% | 19.52% | +0.54 pts | See points |
| Construction and land loans to total capital | 43.86% | 40.71% | +3.15 pts | See points |
| Commercial real estate to total capital | 99.48% | 98.97% | +0.51 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | 0.00% | 0.00% | 0.00 pts | See points |
| Liquidity | ||||
| Core deposits | $100.4M | $101.3M | -$919K | -0.9% |
| Non-core funding | $4.9M | $1.1M | +$3.8M | +347.3% |
| Loans to core deposits | 73.23% | 66.63% | +6.60 pts | See points |
| Loans to deposits | 69.83% | 65.92% | +3.91 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | Not reported | Not reported | Not reported | See points |
| Loans pledged, share of loans | 15.87% | 16.53% | -0.66 pts | See points |
| Volatile liabilities | $4.9M | $1.1M | +$3.8M | +347.3% |
| Earnings | ||||
| Earnings before provision, year to date | $2.4M | $1.1M | +$1.2M | +110.6% |
| Earnings before provision, single quarter | $1.2M | $1.1M | +$119K | +10.6% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 7.39% | 7.41% | -0.02 pts | See points |
| Yield on interest-bearing balances due from banks | 3.97% | 3.44% | +0.53 pts | See points |
| Total interest income to average assets | 5.75% | 5.44% | +0.31 pts | See points |
| Cost of interest-bearing transaction accounts | 0.10% | 0.07% | +0.03 pts | See points |
| Cost of savings and money market deposits | 0.82% | 0.88% | -0.06 pts | See points |
| Cost of time deposits | 2.05% | 1.61% | +0.44 pts | See points |
| Total interest expense to average assets | 0.45% | 0.44% | +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 | $115M | $87M | $72M | 3.67% | 18.00% | 5.40% |
| 2026-06-30 | $132M | $105M | $72M | 3.61% | 18.71% | 5.31% |
| 2026-03-31 | $128M | $102M | $66M | 3.44% | 18.20% | 5.12% |
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 |
|---|---|---|---|---|
| NE | $115.6M | 0.13% | 103 | Continuing · -0.00 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.