TellerScore

American Bank & Trust Company (FDIC certificate #17906) is based in Opelousas, Louisiana. Its Q2 2026 call report shows $267.0M in total assets and $221.7M in deposits and 9 offices.

American Bank & Trust Company has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 64% of its 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 26th. Problem-loan coverage contributes the most (94/100, 3.2%); funding & liquidity contributes the least (49/100, 86% loans-to-deposits, 37% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Tier 1 leverage ratio: 11.71%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.47%
Earnings93/100
Return on assets (annualized): 1.83%
Funding & liquidity49/100
Loans ÷ deposits and uninsured-deposit share: 86.3% · 37.0% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.16%

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 5 points (81 → 76), mostly because the loan quality component weakened by 16 points.

TellerScore
757881Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202476
Q3 202477
Q4 202476
Q1 202581
Q2 202581
Q3 202581
Q4 202575
Q1 202679
Q2 202676
Tier 1 leverage ratio
5.00%8.52%12.03%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202411.16%
Q3 202411.36%
Q4 202411.22%
Q1 202511.67%
Q2 202511.77%
Q3 202512.03%
Q4 202511.60%
Q1 202611.66%
Q2 202611.71%
Noncurrent loans
0.00%0.24%0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.13%
Q3 20240.05%
Q4 20240.00%
Q1 20250.06%
Q2 20250.01%
Q3 20250.07%
Q4 20250.26%
Q1 20260.23%
Q2 20260.47%
Return on assets
1.25%1.54%1.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.25%
Q3 20241.28%
Q4 20241.25%
Q1 20251.77%
Q2 20251.70%
Q3 20251.67%
Q4 20251.48%
Q1 20261.80%
Q2 20261.83%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$267.0M11.71%0.47%1.83%86.3%
Q1 202679$258.1M11.66%0.23%1.80%85.0%
Q4 202575$271.8M11.60%0.26%1.48%81.2%
Q3 202581$253.5M12.03%0.07%1.67%87.7%
Q2 202581$248.7M11.77%0.01%1.70%84.9%
Q1 202581$255.5M11.67%0.06%1.77%79.7%
Q4 202476$249.9M11.22%0.00%1.25%75.0%
Q3 202477$243.6M11.36%0.05%1.28%81.2%
Q2 202476$238.2M11.16%0.13%1.25%80.7%

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 ratio11.71%
61st
Total risk-based capital0.00%
24th
Problem loans0.47%
47th
Net charge-offs0.01%
51st
Return on assets1.83%
81st
Net interest margin4.30%
71st
Efficiency ratio57.7%
64th
Loans to deposits86.3%
35th
Uninsured deposits37.0%
14th
Loan-loss reserves0.95%
21st
Texas ratio3.2%
47th

Similar-size banks in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Hibernia BankBank New Orleans, LA55 out of 100, Moderate$256.6M11.5%1.37%vs
Anthem Bank & TrustBank Plaquemine, LA70 out of 100, Strong$250.1M29.9%1.16%vs
First National Bank USABank Boutte, LA89 out of 100, Very strong$249.1M14.1%0.03%vs
Currency BankBank Baton Rouge, LA86 out of 100, Very strong$248.5M13.4%0.14%vs
Catalyst BankBank Opelousas, LA74 out of 100, Strong$286.8M26.5%1.43%vs
Bank of Abbeville & Trust CompanyBank Abbeville, LA62 out of 100, Moderate$245.5M12.9%2.49%vs

Deposit insurance

Is my money safe at American Bank & Trust Company?

Yes. American Bank & Trust Company is an FDIC-insured institution (FDIC certificate #17906). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 37.0% of deposits ($82.0M) 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 11.71%, 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

9 locations

Branches

American Bank & Trust Company lists 7 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, American Bank & Trust Company reported 123 home-loan applications under HMDA (LEI 549300E8WNDXIPI7FA49): 112 originated ($25,000,000 total), 1 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.8%, 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 Company
Type
State-chartered bank
FDIC certificate #
17906
RSSD ID
83834
Primary regulator
FDIC
Holding company
American Bcorp Inc
Established
September 22, 1958
Headquarters
307 E Landry St, Opelousas, LA 70570
Employees
51

Quick answers

American Bank & Trust Company: common questions

Is American Bank & Trust Company FDIC insured?

Yes. American Bank & Trust Company is an FDIC-insured institution (FDIC certificate #17906). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is American Bank & Trust Company's TellerScore?

76 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 Company ever failed?

There is no failure record for FDIC certificate #17906 in the FDIC failed bank list.

How many branches does American Bank & Trust Company have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Opelousas

InstitutionScoreAssetsCapitalProblem loansCompare
Gulf Coast BankBank Abbeville, LA86 out of 100, Very strong$513.7M14.7%0.63%vs
The BankBank Jennings, LA83 out of 100, Strong$462.0M12.8%0.48%vs
Rayne State Bank & Trust CompanyBank Rayne, LA79 out of 100, Strong$540.5M11.6%0.44%vs
The Evangeline Bank and Trust CompanyBank Ville Platte, LA77 out of 100, Strong$1.1B14.2%1.24%vs
JD BankBank Jennings, LA76 out of 100, Strong$1.3B11.9%0.40%vs
Bank of Sunset and Trust CompanyBank Sunset, LA76 out of 100, Strong$192.3M11.4%0.58%vs