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American Bank Of Commerce
Wolfforth, TX · FDIC Certificate #18609 · Chartered 09/1
Total assets
$1.86B
Total deposits
$1.44B
Total equity
$147.54M
Net loans
$1.25B
Branches (offices)
13
Net income (YTD)
$9.25M
Rank: #633 of 4,213 U.S. banks by assets · #55 of 346 in Texas. Assets changed 12.4% and deposits 5.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.04% |
| Return on equity | 12.99% |
| Net interest margin (YTD) | 3.50% |
| Equity to assets | 7.92% |
| Tier 1 leverage ratio | 9.65% |
| Uninsured deposits (share of deposits) | 30.8% |
| Noncurrent loans (share of loans) | 0.15% |
| Net charge-offs (share of loans) | 0.11% |
| Loans to deposits | 86.4% |
| Real estate loans (share of loans) | 82.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.03B | 82.5% | |
| Commercial & industrial | $233.55M | 18.7% | |
| Consumer / individual | $4.17M | 0.3% | |
| Construction & development | $266.23M | 21.3% | |
| Agricultural | $701.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.51B | $1.33B | $6.14M | $68.99M |
| Jun 2023 | $1.50B | $1.31B | $3.46M | $70.65M |
| Jun 2024 | $1.40B | $1.27B | $3.67M | $81.49M |
| Jun 2025 | $1.66B | $1.37B | $6.40M | $121.69M |
| Jun 2026 | $1.86B | $1.44B | $9.25M | $147.54M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $1.37B | 11 |
| Colorado | $74.35M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.44B.
Similar-sized banks
Kennebec Savings Bank ($1.87B) · Embassy Bank For The Lehigh Valley ($1.86B)
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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