American Bank, National Association is a national bank headquartered in Le Mars, Iowa, in business for about 139 years. At the end of Q2 2026 it reported $533.0M in total assets and $445.0M in deposits, with 2 offices.
American Bank, National Association has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 72nd. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (46/100, 108% loans-to-deposits, 21% 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 8 points (70 → 78), mostly because the earnings component improved by 24 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 66 |
| Q4 2024 | 66 |
| Q1 2025 | 69 |
| Q2 2025 | 70 |
| Q3 2025 | 72 |
| Q4 2025 | 73 |
| Q1 2026 | 75 |
| Q2 2026 | 78 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.05% |
| Q3 2024 | 9.60% |
| Q4 2024 | 9.79% |
| Q1 2025 | 9.82% |
| Q2 2025 | 9.93% |
| Q3 2025 | 10.32% |
| Q4 2025 | 10.57% |
| Q1 2026 | 10.31% |
| Q2 2026 | 10.68% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.17% |
| Q3 2024 | 0.17% |
| Q4 2024 | 0.14% |
| Q1 2025 | 0.16% |
| Q2 2025 | 0.10% |
| Q3 2025 | 0.10% |
| Q4 2025 | 0.10% |
| Q1 2026 | 0.01% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.81% |
| Q3 2024 | 1.00% |
| Q4 2024 | 0.95% |
| Q1 2025 | 1.20% |
| Q2 2025 | 1.24% |
| Q3 2025 | 1.37% |
| Q4 2025 | 1.49% |
| Q1 2026 | 1.68% |
| Q2 2026 | 1.85% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $533.0M | 10.68% | 0.00% | 1.85% | 107.7% |
| Q1 2026 | 75 | $546.5M | 10.31% | 0.01% | 1.68% | 112.0% |
| Q4 2025 | 73 | $554.1M | 10.57% | 0.10% | 1.49% | 108.6% |
| Q3 2025 | 72 | $534.9M | 10.32% | 0.10% | 1.37% | 105.8% |
| Q2 2025 | 70 | $528.6M | 9.93% | 0.10% | 1.24% | 107.3% |
| Q1 2025 | 69 | $551.9M | 9.82% | 0.16% | 1.20% | 107.7% |
| Q4 2024 | 66 | $538.3M | 9.79% | 0.14% | 0.95% | 109.6% |
| Q3 2024 | 66 | $540.9M | 9.60% | 0.17% | 1.00% | 111.7% |
| Q2 2024 | 64 | $552.1M | 9.05% | 0.17% | 0.81% | 103.5% |
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 Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoples BankBank Clive, IA | 65 out of 100, Moderate | $529.6M | 8.1% | 0.15% | vs |
| First Security Bank and Trust CompanyBank Charles City, IA | 68 out of 100, Moderate | $538.2M | 10.0% | 0.27% | vs |
| Connection BankBank Fort Madison, IA | 71 out of 100, Strong | $540.9M | 10.0% | 0.26% | vs |
| The Shelby County State BankBank Harlan, IA | 74 out of 100, Strong | $523.6M | 10.0% | 0.40% | vs |
| Iowa Trust & Savings BankBank Emmetsburg, IA | 63 out of 100, Moderate | $522.0M | 10.8% | 0.79% | vs |
| Central State BankBank State Center, IA | 55 out of 100, Moderate | $557.8M | 10.4% | 1.42% | vs |
Deposit insurance
Is my money safe at American Bank, National Association?
Yes. American Bank, National Association is an FDIC-insured institution (FDIC certificate #5800). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.4% of deposits ($95.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.68%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.13% (benchmark: 10%).
2 locations
Branches
American Bank, National Association lists 2 offices in 2 cities. Most locations:
- Le Mars, IA (1)
- Remsen, IA (1)
Identity & history
Profile
- Legal name
- American Bank, National Association
- Former names
- First Trust & Savings Bank; First Trust & Savings Bank, National Association
- Type
- National bank
- FDIC certificate #
- 5800
- RSSD ID
- 345345
- Primary regulator
- OCC
- Holding company
- Ambank Co Inc
- Established
- January 1, 1887
- Headquarters
- 234 5th Ave Sw, Le Mars, IA 51031
- Website
- www.am-bank.com
- Employees
- 51
Quick answers
American Bank, National Association: common questions
Is American Bank, National Association FDIC insured?
Yes. American Bank, National Association is an FDIC-insured institution (FDIC certificate #5800). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is American Bank, National Association's TellerScore?
78 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, National Association ever failed?
There is no failure record for FDIC certificate #5800 in the FDIC failed bank list.
How many branches does American Bank, National Association have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Le Mars
| 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 |
| The Farmers State BankBank Marcus, IA | 88 out of 100, Very strong | $77.2M | 13.2% | 0.51% | vs |
| F&M BankBank West Point, NE | 83 out of 100, Strong | $354.6M | 11.8% | 0.07% | vs |
| The Security National Bank of Sioux City, IowaBank Sioux City, IA | 81 out of 100, Strong | $1.7B | 12.8% | 0.26% | vs |
| Midstates Bank, National AssociationBank Council Bluffs, IA | 79 out of 100, Strong | $653.9M | 11.6% | 0.29% | vs |
| Iowa State BankBank Hull, IA | 78 out of 100, Strong | $1.3B | 11.7% | 0.06% | vs |