TellerScore

American Bank and Trust Company, National Association (FDIC certificate #34955) is based in Davenport, Iowa. Its Q2 2026 call report shows $480.9M in total assets and $387.8M in deposits and 8 offices across 2 states.

Based on its Q2 2026 filing, American Bank and Trust Company, National Association scores 61/100, which we describe as moderate. That is higher than only 20% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 188th. Its strongest component is problem-loan coverage (87/100; 6.4%), and its lowest is earnings (51/100; 0.78%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Tier 1 leverage ratio: 10.06%
Loan quality71/100
Noncurrent loans ÷ total loans: 0.86%
Earnings51/100
Return on assets (annualized): 0.78%
Funding & liquidity62/100
Loans ÷ deposits and uninsured-deposit share: 84.4% · 27.1% uninsured
Problem-loan coverage87/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.39%

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 7 points (54 → 61), mostly because the earnings component improved by 22 points.

TellerScore
546168Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202457
Q3 202460
Q4 202460
Q1 202557
Q2 202554
Q3 202559
Q4 202568
Q1 202665
Q2 202661
Tier 1 leverage ratio
5.00%7.66%10.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.11%
Q3 20249.23%
Q4 20249.33%
Q1 20259.55%
Q2 20259.76%
Q3 202510.32%
Q4 202510.22%
Q1 202610.16%
Q2 202610.06%
Noncurrent loans
0.04%0.45%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.47%
Q3 20240.19%
Q4 20240.22%
Q1 20250.37%
Q2 20250.74%
Q3 20250.58%
Q4 20250.04%
Q1 20260.54%
Q2 20260.86%
Return on assets
0.06%0.42%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.44%
Q3 20240.50%
Q4 20240.38%
Q1 20250.06%
Q2 20250.23%
Q3 20250.40%
Q4 20250.43%
Q1 20260.70%
Q2 20260.78%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$480.9M10.06%0.86%0.78%84.4%
Q1 202665$464.9M10.16%0.54%0.70%80.1%
Q4 202568$467.9M10.22%0.04%0.43%76.0%
Q3 202559$511.2M10.32%0.58%0.40%79.6%
Q2 202554$483.6M9.76%0.74%0.23%75.1%
Q1 202557$501.1M9.55%0.37%0.06%76.1%
Q4 202460$520.1M9.33%0.22%0.38%71.3%
Q3 202460$520.3M9.23%0.19%0.50%78.2%
Q2 202457$528.4M9.11%0.47%0.44%77.2%

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 ratio10.06%
33rd
Total risk-based capital15.43%
70th
Problem loans0.86%
32nd
Net charge-offs0.19%
13th
Return on assets0.78%
23rd
Net interest margin3.28%
19th
Efficiency ratio78.5%
15th
Loans to deposits84.4%
39th
Uninsured deposits27.1%
38th
Loan-loss reserves1.28%
60th
Texas ratio6.4%
29th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Home State BankBank Jefferson, IA38 out of 100, Low$480.7M8.9%2.21%vs
Iowa State BankBank Des Moines, IA95 out of 100, Very strong$480.5M15.9%0.00%vs
Rolling Hills Bank & TrustBank Atlantic, IA77 out of 100, Strong$484.4M11.8%0.30%vs
Raccoon Valley BankBank Perry, IA66 out of 100, Moderate$486.0M9.6%0.74%vs
Iowa State BankBank Algona, IA73 out of 100, Strong$470.7M11.2%0.15%vs
Security State BankBank Sutherland, IA77 out of 100, Strong$492.3M11.1%0.23%vs

Deposit insurance

Is my money safe at American Bank and Trust Company, National Association?

Yes. American Bank and Trust Company, National Association is an FDIC-insured institution (FDIC certificate #34955). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.1% of deposits ($105.3M) 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 10.06%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.43% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

American Bank and Trust Company, National Association lists 5 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, American Bank and Trust Company, National Association reported 263 home-loan applications under HMDA (LEI 549300AQ83ZR1PW5DB53): 222 originated ($48,740,000 total), 17 denied, and 15 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.9%, 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 and Trust Company, National Association
Former names
American Bank and Trust Company
Type
National bank
FDIC certificate #
34955
RSSD ID
2733263
Primary regulator
OCC
Holding company
Ambank Holdings Inc
Established
January 5, 1999
Headquarters
4301 E 53rd St, Davenport, IA 52807
Employees
80

Quick answers

American Bank and Trust Company, National Association: common questions

Is American Bank and Trust Company, National Association FDIC insured?

Yes. American Bank and Trust Company, National Association is an FDIC-insured institution (FDIC certificate #34955). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is American Bank and Trust Company, National Association's TellerScore?

61 out of 100 (Moderate), 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 and Trust Company, National Association ever failed?

There is no failure record for FDIC certificate #34955 in the FDIC failed bank list.

How many branches does American Bank and Trust Company, National Association have?

8 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Davenport

InstitutionScoreAssetsCapitalProblem loansCompare
Kone Employees Credit UnionCredit union Moline, IL94 out of 100, Very strong$20.7M17.5%0.55%vs
Blue Grass Savings BankBank Blue Grass, IA89 out of 100, Very strong$225.5M14.3%0.34%vs
Farmers National BankBank Prophetstown, IL88 out of 100, Very strong$895.7M15.0%0.23%vs
Liberty Trust & Savings BankBank Durant, IA86 out of 100, Very strong$186.2M20.7%0.86%vs
First Central State BankBank Dewitt, IA83 out of 100, Strong$772.4M13.4%0.21%vs
Service Plus Credit UnionCredit union Moline, IL81 out of 100, Strong$34.7M12.3%0.46%vs