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American Bank
Bozeman, MT · FDIC Certificate #20311 · Chartered 07/2
Total assets
$630.35M
Total deposits
$563.96M
Total equity
$59.26M
Net loans
$389.88M
Branches (offices)
6
Net income (YTD)
$4.26M
Rank: #1,497 of 4,213 U.S. banks by assets · #10 of 35 in Montana. Assets changed -0.2% and deposits 0.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.37% |
| Return on equity | 14.56% |
| Net interest margin (YTD) | 4.11% |
| Equity to assets | 9.40% |
| Tier 1 leverage ratio | 11.12% |
| Uninsured deposits (share of deposits) | 30.2% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 69.1% |
| Real estate loans (share of loans) | 75.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $293.45M | 75.3% | |
| Commercial & industrial | $96.61M | 24.8% | |
| Consumer / individual | $608.00K | 0.2% | |
| Construction & development | $51.70M | 13.3% | |
| Agricultural | $402.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $659.02M | $618.94M | $3.38M | $33.48M |
| Jun 2023 | $625.92M | $553.24M | $4.28M | $37.08M |
| Jun 2024 | $625.10M | $544.16M | $3.25M | $42.73M |
| Jun 2025 | $631.49M | $562.78M | $4.15M | $50.99M |
| Jun 2026 | $630.35M | $563.96M | $4.26M | $59.26M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Montana | $563.96M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $563.96M.
Similar-sized banks
First National Bank Of Louisiana ($631.07M) · Banktennessee ($630.25M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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