TellerScore

American Bank (FDIC certificate #34422) is based in Allentown, Pennsylvania. Its Q2 2026 call report shows $1.1B in total assets and $914.8M in deposits and 1 office.

American Bank has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 66% of its 897 banks with $1 billion – $10 billion. Among 110 banks headquartered in Pennsylvania, it ranks 36th. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (41/100, 98% loans-to-deposits, 34% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Tier 1 leverage ratio: 10.60%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings71/100
Return on assets (annualized): 1.28%
Funding & liquidity41/100
Loans ÷ deposits and uninsured-deposit share: 97.9% · 33.7% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.24%

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 2 points (74 → 72), mostly because the problem-loan coverage component improved by 6 points.

TellerScore
677174Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202467
Q4 202468
Q1 202570
Q2 202574
Q3 202573
Q4 202572
Q1 202672
Q2 202672
Tier 1 leverage ratio
5.00%8.37%11.74%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.74%
Q3 202411.48%
Q4 202410.68%
Q1 202510.80%
Q2 202511.03%
Q3 202510.80%
Q4 202510.29%
Q1 202610.34%
Q2 202610.60%
Noncurrent loans
0.00%0.21%0.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.42%
Q3 20240.40%
Q4 20240.20%
Q1 20250.10%
Q2 20250.00%
Q3 20250.04%
Q4 20250.04%
Q1 20260.04%
Q2 20260.00%
Return on assets
0.94%1.15%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.00%
Q3 20240.94%
Q4 20241.06%
Q1 20251.01%
Q2 20251.33%
Q3 20251.33%
Q4 20251.37%
Q1 20261.31%
Q2 20261.28%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$1.1B10.60%0.00%1.28%97.9%
Q1 202672$1.1B10.34%0.04%1.31%94.5%
Q4 202572$1.1B10.29%0.04%1.37%93.6%
Q3 202573$1.0B10.80%0.04%1.33%97.5%
Q2 202574$1.0B11.03%0.00%1.33%99.1%
Q1 202570$1.0B10.80%0.10%1.01%100.1%
Q4 202468$986.4M10.68%0.20%1.06%100.6%
Q3 202467$946.4M11.48%0.40%0.94%106.8%
Q2 202469$920.5M11.74%0.42%1.00%102.8%

897 peers · $1 billion – $10 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 ratio10.60%
52nd
Total risk-based capital12.99%
41st
Problem loans0.00%
98th
Net charge-offs-0.00%
86th
Return on assets1.28%
53rd
Net interest margin3.11%
20th
Efficiency ratio46.6%
84th
Loans to deposits97.9%
19th
Uninsured deposits33.7%
42nd
Loan-loss reserves0.93%
23rd
Texas ratio0.2%
93rd

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank and Trust Company of NewtownBank Newtown, PA87 out of 100, Very strong$1.2B12.9%0.00%vs
The Honesdale National BankBank Honesdale, PA84 out of 100, Strong$1.2B13.7%0.24%vs
Brentwood BankBank Bethel Park, PA53 out of 100, Below average$1.0B9.8%0.75%vs
First Federal Savings and Loan Association of Greene CoBank Waynesburg, PA78 out of 100, Strong$1.0B15.4%0.54%vs
The Dime BankBank Honesdale, PA70 out of 100, Strong$1.2B11.7%1.30%vs
Jonestown Bank and Trust Company, of Jonestown, PennsylvaniaBank Jonestown, PA75 out of 100, Strong$1.0B10.2%0.02%vs

Deposit insurance

Is my money safe at American Bank?

Yes. American Bank is an FDIC-insured institution (FDIC certificate #34422). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.7% of deposits ($308.6M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.60%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.99% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

American Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, American Bank reported 76 home-loan applications under HMDA (LEI 5493000V0CXKSOK29E51): 70 originated ($35,020,000 total), 4 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.3%, 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 of the Lehigh Valley
Type
State-chartered bank (Fed member)
FDIC certificate #
34422
RSSD ID
2580243
Primary regulator
FED
Holding company
American Bank Inc
Established
June 2, 1997
Headquarters
4029 W Tilghman St, Allentown, PA 18104
Employees
66

Quick answers

American Bank: common questions

Is American Bank FDIC insured?

Yes. American Bank is an FDIC-insured institution (FDIC certificate #34422). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is American Bank's TellerScore?

72 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 #34422 in the FDIC failed bank list.

How many branches does American Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Allentown

InstitutionScoreAssetsCapitalProblem loansCompare
B. Braun Federal Credit UnionCredit union Allentown, PA100 out of 100, Very strong$1.9M25.1%0.00%vs
Lehigh County Employees Federal Credit UnionCredit union Allentown, PA96 out of 100, Very strong$33.1M15.7%0.00%vs
Northampton Area School Dist. Emps Federal Credit UnionCredit union Northampton, PA95 out of 100, Very strong$11.7M20.9%0.09%vs
Aac Credit UnionCredit union Grand Rapids, MI90 out of 100, Very strong$212.4M24.2%0.36%vs
The Neffs National BankBank Neffs, PA87 out of 100, Very strong$470.8M16.8%0.04%vs
Pagoda Federal Credit UnionCredit union Reading, PA87 out of 100, Very strong$32.6M12.0%0.31%vs