American Bank & Trust (FDIC certificate #1117) is based in Sioux Falls, South Dakota. Its Q2 2026 call report shows $2.2B in total assets and $2.0B in deposits and 20 offices across 3 states.
Based on its Q2 2026 filing, American Bank & Trust scores 72/100, which we describe as strong. That is higher than 66% of 897 banks with $1 billion – $10 billion. Among 56 banks headquartered in South Dakota, it ranks 31st. Its strongest component is problem-loan coverage (93/100; 3.4%), and its lowest is funding & liquidity (56/100; 81% loans-to-deposits, 37% uninsured).
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 3 points (69 → 72), mostly because the capital cushion component improved by 20 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 66 |
| Q4 2024 | 67 |
| Q1 2025 | 68 |
| Q2 2025 | 69 |
| Q3 2025 | 71 |
| Q4 2025 | 70 |
| Q1 2026 | 71 |
| Q2 2026 | 72 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.28% |
| Q3 2024 | 9.37% |
| Q4 2024 | 9.01% |
| Q1 2025 | 9.17% |
| Q2 2025 | 9.29% |
| Q3 2025 | 11.47% |
| Q4 2025 | 11.18% |
| Q1 2026 | 11.49% |
| Q2 2026 | 11.28% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.22% |
| Q3 2024 | 0.20% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.01% |
| Q2 2025 | 0.01% |
| Q3 2025 | 0.49% |
| Q4 2025 | 0.57% |
| Q1 2026 | 0.60% |
| Q2 2026 | 0.57% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.10% |
| Q3 2024 | 1.11% |
| Q4 2024 | 1.13% |
| Q1 2025 | 1.07% |
| Q2 2025 | 1.20% |
| Q3 2025 | 1.19% |
| Q4 2025 | 1.27% |
| Q1 2026 | 1.23% |
| Q2 2026 | 1.34% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $2.2B | 11.28% | 0.57% | 1.34% | 80.7% |
| Q1 2026 | 71 | $2.2B | 11.49% | 0.60% | 1.23% | 78.8% |
| Q4 2025 | 70 | $2.1B | 11.18% | 0.57% | 1.27% | 82.1% |
| Q3 2025 | 71 | $2.0B | 11.47% | 0.49% | 1.19% | 85.5% |
| Q2 2025 | 69 | $2.0B | 9.29% | 0.01% | 1.20% | 85.5% |
| Q1 2025 | 68 | $1.9B | 9.17% | 0.01% | 1.07% | 81.9% |
| Q4 2024 | 67 | $1.9B | 9.01% | 0.00% | 1.13% | 83.5% |
| Q3 2024 | 66 | $1.8B | 9.37% | 0.20% | 1.11% | 86.1% |
| Q2 2024 | 65 | $1.7B | 9.28% | 0.22% | 1.10% | 90.4% |
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).
Similar-size banks in South Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank in Sioux FallsBank Sioux Falls, SD | 67 out of 100, Moderate | $2.1B | 10.3% | 0.41% | vs |
| First National BankBank Fort Pierre, SD | 84 out of 100, Strong | $2.0B | 21.9% | 0.69% | vs |
| BankWest, Inc.Bank Pierre, SD | 38 out of 100, Low | $1.9B | 9.2% | 2.76% | vs |
| Sunrise Banks, National AssociationBank Sioux Falls, SD | 58 out of 100, Moderate | $2.8B | 10.2% | 1.34% | vs |
| First Savings BankBank Beresford, SD | 83 out of 100, Strong | $1.6B | 19.3% | 0.90% | vs |
| CorTrust Bank National AssociationBank Mitchell, SD | 62 out of 100, Moderate | $1.6B | 9.9% | 0.70% | vs |
Deposit insurance
Is my money safe at American Bank & Trust?
Yes. American Bank & Trust is an FDIC-insured institution (FDIC certificate #1117). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 36.8% of deposits ($718.0M) 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 11.28%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.33% (benchmark: 10%).
20 locations
Branches
American Bank & Trust lists 20 offices in 17 cities across 3 states. Most locations:
- Sioux Falls, SD (4)
- Aberdeen, SD (1)
- Carthage, SD (1)
- De Smet, SD (1)
- Huron, SD (1)
- Iroquois, SD (1)
- Lennox, SD (1)
- Lisbon, ND (1)
- Mellette, SD (1)
- Miller, SD (1)
- Pierre, SD (1)
- Stickney, SD (1)
HMDA 2025
Mortgage lending
In 2025, American Bank & Trust reported 659 home-loan applications under HMDA (LEI 549300T03X096VF60C57): 443 originated ($156,035,000 total), 85 denied, and 129 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.0%, 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 & Trust
- Former names
- Bank of Alpena; American State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 1117
- RSSD ID
- 275358
- Primary regulator
- FDIC
- Holding company
- Leackco Bank Holding Co Inc
- Established
- January 1, 1892
- Headquarters
- 6810 S Minnesota Ave, Sioux Falls, SD 57108
- Website
- www.abt.bank
- Employees
- 219
Quick answers
American Bank & Trust: common questions
Is American Bank & Trust FDIC insured?
Yes. American Bank & Trust is an FDIC-insured institution (FDIC certificate #1117). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is American Bank & Trust'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 & Trust ever failed?
There is no failure record for FDIC certificate #1117 in the FDIC failed bank list.
How many branches does American Bank & Trust have?
20 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Sioux Falls
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security National Bank of South DakotaBank Dakota Dunes, SD | 93 out of 100, Very strong | $251.5M | 14.1% | 0.00% | vs |
| Merchants State BankBank Freeman, SD | 91 out of 100, Very strong | $219.6M | 17.3% | 0.32% | vs |
| First PREMIER BankBank Sioux Falls, SD | 85 out of 100, Very strong | $3.6B | 13.7% | 0.10% | vs |
| First Savings BankBank Beresford, SD | 83 out of 100, Strong | $1.6B | 19.3% | 0.90% | vs |
| First Dakota National BankBank Yankton, SD | 72 out of 100, Strong | $3.4B | 10.4% | 0.30% | vs |
| Reliabank DakotaBank Estelline, SD | 71 out of 100, Strong | $788.4M | 10.5% | 0.26% | vs |