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American Bank & Trust
Sioux Falls, SD · FDIC Certificate #1117 · Chartered 01/0
Total assets
$2.25B
Total deposits
$1.95B
Total equity
$245.48M
Net loans
$1.57B
Branches (offices)
20
Net income (YTD)
$14.86M
Rank: #554 of 4,213 U.S. banks by assets · #10 of 56 in South Dakota. Assets changed 14.7% and deposits 11.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.34% |
| Return on equity | 12.50% |
| Net interest margin (YTD) | 3.82% |
| Equity to assets | 10.92% |
| Tier 1 leverage ratio | 11.28% |
| Uninsured deposits (share of deposits) | 36.8% |
| Noncurrent loans (share of loans) | 0.57% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 80.7% |
| Real estate loans (share of loans) | 54.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $858.96M | 54.6% | |
| Commercial & industrial | $275.94M | 17.5% | |
| Consumer / individual | $27.36M | 1.7% | |
| Construction & development | $56.33M | 3.6% | |
| Agricultural | $401.14M | 25.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.38B | $1.22B | $7.78M | $115.06M |
| Jun 2023 | $1.53B | $1.34B | $9.94M | $127.75M |
| Jun 2024 | $1.75B | $1.53B | $9.54M | $147.10M |
| Jun 2025 | $1.96B | $1.74B | $11.62M | $170.47M |
| Jun 2026 | $2.25B | $1.95B | $14.86M | $245.48M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Dakota | $1.91B | 18 |
| Minnesota | $23.84M | 1 |
| North Dakota | $15.79M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.95B.
Similar-sized banks
Falcon International Bank ($2.25B) · Five Points Bank ($2.24B)
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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