American Bank (FDIC #20311): Bank Stress & Real-Estate Credit Exposure

American Bank (FDIC Cert #20311): bank stress 65/100, elevated, STABLE over 7 days; parent GUARANTY DEVELOPMENT CO.

American Bank (#20311) lends in 4 counties across 1 state; American Bank (#20311) reaches 40 ZIP codes: Montana 4 counties, 40 ZIPs.

American Bank (#20311) largest markets: Flathead County, MT (16 branches, 16 ZIPs) (#20311), Park County, MT (11 branches, 11 ZIPs) (#20311), Gallatin County, MT (30 branches, 10 ZIPs) (#20311), Sweet Grass County, MT (7 branches, 7 ZIPs) (#20311).

American Bank (#20311) reports $630.4 million in total assets; American Bank (#20311) equity $59.3 million (9.4% of American Bank (#20311) assets); American Bank (#20311) domestic deposits $564.0 million; American Bank (#20311) net income $4.3 million; American Bank (#20311) return on assets 1.37%; American Bank (#20311) return on equity 14.56%; American Bank (#20311) net interest income $11.9 million; American Bank (#20311) call report June 30, 2026.

American Bank (#20311) noncurrent real-estate loans: none reported; American Bank (#20311) net charge-offs on real estate 0.00%.

American Bank (#20311) net interest margin 4.11% against an eight-quarter American Bank (#20311) average of 3.84% (American Bank (#20311) compression -0.27 points); American Bank (#20311) rate-exposure score 40/100, American Bank (#20311) fixed-rate trap 40/100; American Bank (#20311) risk type credit driven; American Bank (#20311) rate regime rates elevated, American Bank (#20311) snapshot October 19, 2026.

American Bank (#20311) stress score moved from 63.1 on June 22, 2026 to 65.3 on October 19, 2026; American Bank (#20311) ranged 63.1 to 65.3 over 116 snapshots.

American Bank (#20311) alerts: 4 counties; top American Bank (#20311) alert scores: Big Timber County, MT 22 (low); Bozeman County, MT 22 (low); Livingston County, MT 22 (low); Whitefish County, MT 22 (low).