American Bank (FDIC certificate #20311) is based in Bozeman, Montana. Its Q2 2026 call report shows $630.4M in total assets and $564.0M in deposits and 6 offices.
American Bank has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,650 banks with $100 million – $1 billion. Among 35 banks headquartered in Montana, it ranks 6th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (61/100, 11.12%).
TellerScore · Q2 2026
Scorecard
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 rose 16 points (63 → 79), mostly because the loan quality component improved by 42 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 73 |
| Q4 2024 | 62 |
| Q1 2025 | 61 |
| Q2 2025 | 63 |
| Q3 2025 | 78 |
| Q4 2025 | 80 |
| Q1 2026 | 79 |
| Q2 2026 | 79 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.43% |
| Q3 2024 | 9.59% |
| Q4 2024 | 9.47% |
| Q1 2025 | 9.49% |
| Q2 2025 | 9.97% |
| Q3 2025 | 10.32% |
| Q4 2025 | 10.33% |
| Q1 2026 | 10.91% |
| Q2 2026 | 11.12% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.01% |
| Q3 2024 | 0.01% |
| Q4 2024 | 1.26% |
| Q1 2025 | 1.25% |
| Q2 2025 | 1.25% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.05% |
| Q3 2024 | 1.15% |
| Q4 2024 | 1.25% |
| Q1 2025 | 1.16% |
| Q2 2025 | 1.28% |
| Q3 2025 | 1.54% |
| Q4 2025 | 1.64% |
| Q1 2026 | 1.37% |
| Q2 2026 | 1.37% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $630.4M | 11.12% | 0.00% | 1.37% | 69.1% |
| Q1 2026 | 79 | $608.5M | 10.91% | 0.00% | 1.37% | 70.0% |
| Q4 2025 | 80 | $628.8M | 10.33% | 0.00% | 1.64% | 68.4% |
| Q3 2025 | 78 | $626.9M | 10.32% | 0.00% | 1.54% | 72.1% |
| Q2 2025 | 63 | $631.5M | 9.97% | 1.25% | 1.28% | 71.7% |
| Q1 2025 | 61 | $663.9M | 9.49% | 1.25% | 1.16% | 67.9% |
| Q4 2024 | 62 | $653.4M | 9.47% | 1.26% | 1.25% | 67.6% |
| Q3 2024 | 73 | $619.7M | 9.59% | 0.01% | 1.15% | 71.3% |
| Q2 2024 | 72 | $625.1M | 9.43% | 0.01% | 1.05% | 73.8% |
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).
Similar-size banks in Montana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Montana Bank, Inc.Bank Missoula, MT | 73 out of 100, Strong | $530.3M | 10.2% | 0.13% | vs |
| Farmers State BankBank Victor, MT | 64 out of 100, Moderate | $790.3M | 8.8% | 0.68% | vs |
| Bank of Bridger, National AssociationBank Bridger, MT | 70 out of 100, Strong | $802.7M | 10.1% | 0.47% | vs |
| Little Horn State BankBank Hardin, MT | 59 out of 100, Moderate | $412.6M | 10.3% | 1.15% | vs |
| Bank of MontanaBank Missoula, MT | 75 out of 100, Strong | $308.6M | 8.9% | 0.00% | vs |
| Three Rivers Bank of MontanaBank Kalispell, MT | 71 out of 100, Strong | $293.1M | 11.7% | 0.93% | vs |
Deposit insurance
Is my money safe at American Bank?
Yes. American Bank is an FDIC-insured institution (FDIC certificate #20311). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.2% of deposits ($170.6M) 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 11.12%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.61% (benchmark: 10%).
6 locations
Branches
American Bank lists 6 offices in 5 cities. Most locations:
- Bozeman, MT (2)
- Big Sky, MT (1)
- Big Timber, MT (1)
- Livingston, MT (1)
- Whitefish, MT (1)
Identity & history
Profile
- Legal name
- American Bank
- Former names
- Western State Bank; American Bank of Billings; American Bank of Montana
- Type
- State-chartered bank
- FDIC certificate #
- 20311
- RSSD ID
- 630555
- Primary regulator
- FDIC
- Holding company
- Guaranty Development Co
- Established
- July 27, 1970
- Headquarters
- 1632 W Main St, Bozeman, MT 59715
- Website
- www.americanbankmontana.com
- Employees
- 78
Quick answers
American Bank: common questions
Is American Bank FDIC insured?
Yes. American Bank is an FDIC-insured institution (FDIC certificate #20311). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is American Bank's TellerScore?
79 out of 100 (Strong), 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 #20311 in the FDIC failed bank list.
How many branches does American Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Bozeman
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Yellowstone BankBank Laurel, MT | 88 out of 100, Very strong | $1.3B | 12.3% | 0.01% | vs |
| Clearwater Federal Credit UnionCredit union Missoula, MT | 76 out of 100, Strong | $1.2B | 12.8% | 0.67% | vs |
| Manhattan BankBank Manhattan, MT | 75 out of 100, Strong | $287.1M | 9.9% | 0.35% | vs |
| Horizon Credit UnionCredit union Spokane Valley, WA | 75 out of 100, Strong | $2.0B | 13.1% | 0.27% | vs |
| First Montana Bank, Inc.Bank Missoula, MT | 73 out of 100, Strong | $530.3M | 10.2% | 0.13% | vs |
| Stockman Bank of MontanaBank Miles City, MT | 71 out of 100, Strong | $7.7B | 9.9% | 0.60% | vs |