TellerScore

Headquartered in Covington, Louisiana, American Bank is a state-chartered bank with $366.6M in total assets and $322.6M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1964.

American Bank has a TellerScore of 38 out of 100 (low) based on Q2 2026 data — higher than only 2% of its 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 102nd. Funding & liquidity contributes the most (62/100, 76% loans-to-deposits, 35% uninsured); loan quality contributes the least (0/100, 5.04%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Tier 1 leverage ratio: 10.08%
Loan quality0/100
Noncurrent loans ÷ total loans: 5.04%
Earnings45/100
Return on assets (annualized): 0.63%
Funding & liquidity62/100
Loans ÷ deposits and uninsured-deposit share: 75.8% · 34.8% uninsured
Problem-loan coverage39/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 30.57%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 7 points (45 → 38), mostly because the earnings component weakened by 22 points.

TellerScore
344250Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202442
Q3 202434
Q4 202437
Q1 202549
Q2 202545
Q3 202550
Q4 202547
Q1 202635
Q2 202638
Tier 1 leverage ratio
5.00%7.81%10.63%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.08%
Q3 20249.10%
Q4 20249.90%
Q1 202510.63%
Q2 202510.33%
Q3 202510.29%
Q4 202510.58%
Q1 202610.33%
Q2 202610.08%
Noncurrent loans
2.28%3.66%5.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.65%
Q3 20243.48%
Q4 20243.65%
Q1 20253.48%
Q2 20252.78%
Q3 20252.28%
Q4 20252.76%
Q1 20263.33%
Q2 20265.04%
Return on assets
0.18%0.99%1.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.88%
Q3 20240.60%
Q4 20240.73%
Q1 20251.80%
Q2 20251.18%
Q3 20250.99%
Q4 20251.18%
Q1 20260.18%
Q2 20260.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202638$366.6M10.08%5.04%0.63%75.8%
Q1 202635$359.3M10.33%3.33%0.18%74.2%
Q4 202547$337.7M10.58%2.76%1.18%76.6%
Q3 202550$335.2M10.29%2.28%0.99%74.9%
Q2 202545$330.6M10.33%2.78%1.18%79.6%
Q1 202549$327.2M10.63%3.48%1.80%78.8%
Q4 202437$328.7M9.90%3.65%0.73%83.0%
Q3 202434$345.1M9.10%3.48%0.60%81.1%
Q2 202442$338.8M9.08%2.65%0.88%82.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.08%
34th
Total risk-based capital0.00%
24th
Problem loans5.04%
2nd
Net charge-offs0.12%
18th
Return on assets0.63%
16th
Net interest margin5.64%
98th
Efficiency ratio79.1%
14th
Loans to deposits75.8%
58th
Uninsured deposits34.8%
17th
Loan-loss reserves1.80%
90th
Texas ratio30.6%
2nd

Similar-size banks in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of Commerce & Trust Co.Bank Crowley, LA72 out of 100, Strong$377.9M11.1%0.19%vs
City Bank & Trust Co.Bank Natchitoches, LA82 out of 100, Strong$382.0M11.4%0.00%vs
CLB The Community BankBank Jonesville, LA58 out of 100, Moderate$350.9M11.4%2.58%vs
Southern Heritage BankBank Jonesville, LA73 out of 100, Strong$397.9M10.5%0.72%vs
Bank of St. FrancisvilleBank Saint Francisville, LA66 out of 100, Moderate$398.7M9.9%0.81%vs
Patterson State BankBank Patterson, LA50 out of 100, Below average$330.7M8.9%1.78%vs

Deposit insurance

Is my money safe at American Bank?

Yes. American Bank is an FDIC-insured institution (FDIC certificate #19234). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.8% of deposits ($112.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.08%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

American Bank lists 5 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, American Bank reported 43 home-loan applications under HMDA (LEI 549300O0BQZ8YGYRA730): 34 originated ($9,580,000 total), 3 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
American Bank
Former names
American Bank & Trust Company
Type
State-chartered bank
FDIC certificate #
19234
RSSD ID
597452
Primary regulator
FDIC
Holding company
American Bancshares Inc
Established
September 14, 1964
Headquarters
1819 N Columbia St, Covington, LA 70433
Employees
77

Quick answers

American Bank: common questions

Is American Bank FDIC insured?

Yes. American Bank is an FDIC-insured institution (FDIC certificate #19234). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is American Bank's TellerScore?

38 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has American Bank ever failed?

There is no failure record for FDIC certificate #19234 in the FDIC failed bank list.

How many branches does American Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Covington

InstitutionScoreAssetsCapitalProblem loansCompare
Crescent BankBank Metairie, LA89 out of 100, Very strong$1.1B15.0%1.28%vs
Zellco Federal Credit UnionCredit union Bogalusa, LA89 out of 100, Very strong$94.5M31.9%0.73%vs
District 62 Highway Federal Credit UnionCredit union Hammond, LA89 out of 100, Very strong$6.6M15.4%0.00%vs
Red River BankBank Alexandria, LA82 out of 100, Strong$3.3B12.5%0.11%vs
Citizens Savings BankBank Bogalusa, LA81 out of 100, Strong$329.1M14.3%0.74%vs
Chevron Federal Credit UnionCredit union Concord, CA81 out of 100, Strong$5.4B12.4%0.38%vs