Headquartered in Wolfforth, Texas, American Bank of Commerce is a state-chartered bank with $1.9B in total assets and $1.4B in deposits as of Q2 2026. It operates 13 offices across 2 states. Its charter dates back to 1962.
Based on its Q2 2026 filing, American Bank of Commerce scores 68/100, which we describe as moderate. That is higher than only 49% of 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 239th. Its strongest component is problem-loan coverage (97/100; 1.5%), and its lowest is capital cushion (46/100; 9.65%).
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 fell 2 points (70 → 68), mostly because the funding & liquidity component weakened by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 62 |
| Q4 2024 | 65 |
| Q1 2025 | 67 |
| Q2 2025 | 70 |
| Q3 2025 | 70 |
| Q4 2025 | 69 |
| Q1 2026 | 70 |
| Q2 2026 | 68 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.41% |
| Q3 2024 | 9.27% |
| Q4 2024 | 9.41% |
| Q1 2025 | 9.48% |
| Q2 2025 | 10.43% |
| Q3 2025 | 9.96% |
| Q4 2025 | 10.06% |
| Q1 2026 | 9.90% |
| Q2 2026 | 9.65% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.38% |
| Q3 2024 | 0.34% |
| Q4 2024 | 0.18% |
| Q1 2025 | 0.13% |
| Q2 2025 | 0.16% |
| Q3 2025 | 0.15% |
| Q4 2025 | 0.12% |
| Q1 2026 | 0.04% |
| Q2 2026 | 0.15% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.52% |
| Q3 2024 | 0.54% |
| Q4 2024 | 0.61% |
| Q1 2025 | 0.78% |
| Q2 2025 | 0.83% |
| Q3 2025 | 0.91% |
| Q4 2025 | 0.93% |
| Q1 2026 | 1.03% |
| Q2 2026 | 1.04% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $1.9B | 9.65% | 0.15% | 1.04% | 86.4% |
| Q1 2026 | 70 | $1.8B | 9.90% | 0.04% | 1.03% | 86.5% |
| Q4 2025 | 69 | $1.7B | 10.06% | 0.12% | 0.93% | 81.0% |
| Q3 2025 | 70 | $1.7B | 9.96% | 0.15% | 0.91% | 73.1% |
| Q2 2025 | 70 | $1.7B | 10.43% | 0.16% | 0.83% | 68.3% |
| Q1 2025 | 67 | $1.5B | 9.48% | 0.13% | 0.78% | 69.1% |
| Q4 2024 | 65 | $1.5B | 9.41% | 0.18% | 0.61% | 66.3% |
| Q3 2024 | 62 | $1.5B | 9.27% | 0.34% | 0.54% | 66.9% |
| Q2 2024 | 62 | $1.4B | 9.41% | 0.38% | 0.52% | 68.2% |
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 Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State BankBank Gainesville, TX | 61 out of 100, Moderate | $1.9B | 9.6% | 0.94% | vs |
| FirstBank SouthwestBank Amarillo, TX | 73 out of 100, Strong | $1.9B | 11.2% | 0.41% | vs |
| North Dallas Bank & Trust Co.Bank Dallas, TX | 51 out of 100, Below average | $1.8B | 10.2% | 1.54% | vs |
| First National Bank of Central TexasBank Waco, TX | 81 out of 100, Strong | $1.8B | 10.8% | 0.10% | vs |
| Commercial Bank of Texas, National AssociationBank Nacogdoches, TX | 77 out of 100, Strong | $1.7B | 10.6% | 0.14% | vs |
| First State Bank of UvaldeBank Uvalde, TX | 75 out of 100, Strong | $1.7B | 15.7% | 1.27% | vs |
Deposit insurance
Is my money safe at American Bank of Commerce?
Yes. American Bank of Commerce is an FDIC-insured institution (FDIC certificate #18609). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.8% of deposits ($445.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.65%, 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%).
13 locations
Branches
American Bank of Commerce lists 12 offices in 7 cities across 2 states. Most locations:
- Austin, TX (4)
- Lubbock, TX (3)
- Colorado Springs, CO (1)
- Dallas, TX (1)
- Plano, TX (1)
- Pueblo, CO (1)
- Wolfforth, TX (1)
HMDA 2025
Mortgage lending
In 2025, American Bank of Commerce reported 132 home-loan applications under HMDA (LEI 5493006XE7ZLYUW25E11): 87 originated ($74,425,000 total), 15 denied, and 30 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.7%, 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 of Commerce
- Former names
- American Bank of Commerce at Wolfforth, Texas
- Type
- State-chartered bank
- FDIC certificate #
- 18609
- RSSD ID
- 215662
- Primary regulator
- FDIC
- Holding company
- Americo Bancshares Inc
- Established
- September 11, 1962
- Headquarters
- 530 E Highway 62-82, Wolfforth, TX 79382
- Website
- www.theabcbank.com
- Employees
- 171
Quick answers
American Bank of Commerce: common questions
Is American Bank of Commerce FDIC insured?
Yes. American Bank of Commerce is an FDIC-insured institution (FDIC certificate #18609). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is American Bank of Commerce's TellerScore?
68 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 of Commerce ever failed?
There is no failure record for FDIC certificate #18609 in the FDIC failed bank list.
How many branches does American Bank of Commerce have?
13 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Wolfforth
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Federal Credit UnionCredit union Big Spring, TX | 90 out of 100, Very strong | $201.9M | 14.6% | 0.13% | vs |
| Caprock Santa Fe Credit UnionCredit union Slaton, TX | 85 out of 100, Very strong | $51.5M | 41.7% | 1.77% | vs |
| Citizens State BankBank Anton, TX | 84 out of 100, Strong | $80.7M | 16.0% | 0.01% | vs |
| First State BankBank Shallowater, TX | 84 out of 100, Strong | $150.8M | 15.9% | 0.23% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| Sundown State BankBank Sundown, TX | 79 out of 100, Strong | $307.7M | 11.6% | 0.84% | vs |