American Eagle Bank is a state-chartered bank headquartered in South Elgin, Illinois, in business for about 24 years. At the end of Q2 2026 it reported $484.7M in total assets and $363.1M in deposits, with 1 office.
American Eagle Bank has a TellerScore of 55 out of 100 (moderate) based on Q2 2026 data — higher than only 11% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 276th. Loan quality contributes the most (99/100, 0.04%); earnings contributes the least (12/100, -0.19%).
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 6 points (61 → 55), mostly because the earnings component weakened by 22 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 61 |
| Q4 2024 | 61 |
| Q1 2025 | 61 |
| Q2 2025 | 61 |
| Q3 2025 | 62 |
| Q4 2025 | 61 |
| Q1 2026 | 62 |
| Q2 2026 | 55 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.31% |
| Q3 2024 | 9.08% |
| Q4 2024 | 8.83% |
| Q1 2025 | 9.07% |
| Q2 2025 | 8.90% |
| Q3 2025 | 9.01% |
| Q4 2025 | 8.89% |
| Q1 2026 | 8.95% |
| Q2 2026 | 8.53% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.03% |
| Q3 2024 | 0.05% |
| Q4 2024 | 0.04% |
| Q1 2025 | 0.04% |
| Q2 2025 | 0.03% |
| Q3 2025 | 0.02% |
| Q4 2025 | 0.04% |
| Q1 2026 | 0.04% |
| Q2 2026 | 0.04% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.39% |
| Q3 2024 | 0.40% |
| Q4 2024 | 0.43% |
| Q1 2025 | 0.28% |
| Q2 2025 | 0.34% |
| Q3 2025 | 0.46% |
| Q4 2025 | 0.44% |
| Q1 2026 | 0.50% |
| Q2 2026 | -0.19% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 55 | $484.7M | 8.53% | 0.04% | -0.19% | 121.6% |
| Q1 2026 | 62 | $490.5M | 8.95% | 0.04% | 0.50% | 116.6% |
| Q4 2025 | 61 | $496.9M | 8.89% | 0.04% | 0.44% | 114.0% |
| Q3 2025 | 62 | $487.9M | 9.01% | 0.02% | 0.46% | 110.9% |
| Q2 2025 | 61 | $476.0M | 8.90% | 0.03% | 0.34% | 106.3% |
| Q1 2025 | 61 | $486.0M | 9.07% | 0.04% | 0.28% | 111.6% |
| Q4 2024 | 61 | $474.1M | 8.83% | 0.04% | 0.43% | 110.4% |
| Q3 2024 | 61 | $461.3M | 9.08% | 0.05% | 0.40% | 110.3% |
| Q2 2024 | 61 | $444.9M | 9.31% | 0.03% | 0.39% | 111.3% |
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 Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sterling Federal Bank, F.S.B.Bank Sterling, IL | 20 out of 100, Low | $481.6M | 7.7% | 6.26% | vs |
| Hoyne Savings BankBank Chicago, IL | 79 out of 100, Strong | $479.9M | 27.3% | 0.34% | vs |
| Solutions BankBank Forreston, IL | 67 out of 100, Moderate | $491.6M | 8.8% | 0.49% | vs |
| Casey State BankBank Casey, IL | 70 out of 100, Strong | $496.7M | 11.0% | 1.02% | vs |
| The FNB Community BankBank Vandalia, IL | 76 out of 100, Strong | $498.9M | 12.6% | 0.78% | vs |
| First National Bank in OlneyBank Olney, IL | 64 out of 100, Moderate | $469.3M | 10.8% | 1.60% | vs |
Deposit insurance
Is my money safe at American Eagle Bank?
Yes. American Eagle Bank is an FDIC-insured institution (FDIC certificate #57359). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.9% of deposits ($54.1M) 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 8.53%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 9.75% (benchmark: 10%).
1 location
Branches
American Eagle Bank lists 1 office in 1 city. Most locations:
- South Elgin, IL (1)
Identity & history
Profile
- Legal name
- American Eagle Bank
- Type
- State-chartered bank
- FDIC certificate #
- 57359
- RSSD ID
- 3116519
- Primary regulator
- FDIC
- Holding company
- Orchid Financial Bcorp Inc
- Established
- October 17, 2002
- Headquarters
- 556 Randall Rd, South Elgin, IL 60177
- Website
- www.americaneaglebank.com
- Employees
- 25
Quick answers
American Eagle Bank: common questions
Is American Eagle Bank FDIC insured?
Yes. American Eagle Bank is an FDIC-insured institution (FDIC certificate #57359). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is American Eagle Bank's TellerScore?
55 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 Eagle Bank ever failed?
There is no failure record for FDIC certificate #57359 in the FDIC failed bank list.
How many branches does American Eagle Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near South Elgin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Aurora Policemen Credit UnionCredit union Aurora, IL | 95 out of 100, Very strong | $26.3M | 15.3% | 0.00% | vs |
| Aurora Firefighters' Credit UnionCredit union Aurora, IL | 93 out of 100, Very strong | $2.7M | 16.1% | 0.00% | vs |
| First Eagle BankBank Chicago, IL | 91 out of 100, Very strong | $649.6M | 21.3% | 0.10% | vs |
| Earthmover Credit UnionCredit union Aurora, IL | 87 out of 100, Very strong | $471.7M | 19.3% | 0.75% | vs |
| Molex Employees Federal Credit UnionCredit union Lisle, IL | 84 out of 100, Strong | $6.5M | 18.4% | 0.47% | vs |
| A.A.E.C. Credit UnionCredit union Arlington Heigh, IL | 84 out of 100, Strong | $118.9M | 13.0% | 0.02% | vs |