American Federal Bank (FDIC #29140): Bank Stress & Real-Estate Credit Exposure
American Federal Bank (FDIC Cert #29140): bank stress 73/100, elevated, STABLE over 7 days; parent AMERICAN FEDERAL CORP.
American Federal Bank (#29140) lends in 9 counties across 2 states; American Federal Bank (#29140) reaches 171 ZIP codes: Minnesota 6 counties, 103 ZIPs; North Dakota 3 counties, 69 ZIPs.
American Federal Bank (#29140) largest markets: Otter Tail County, MN (34 branches, 34 ZIPs) (#29140), Cass County, ND (60 branches, 30 ZIPs) (#29140), Polk County, MN (75 branches, 25 ZIPs) (#29140), Grand Forks County, ND (44 branches, 22 ZIPs) (#29140), Richland County, ND (20 branches, 20 ZIPs) (#29140), Clay County, MN (17 branches, 17 ZIPs) (#29140).
American Federal Bank (#29140) reports $795.8 million in total assets; American Federal Bank (#29140) equity $71.3 million (9.0% of American Federal Bank (#29140) assets); American Federal Bank (#29140) domestic deposits $615.6 million; American Federal Bank (#29140) net income $4.1 million; American Federal Bank (#29140) return on assets 1.06%; American Federal Bank (#29140) return on equity 11.96%; American Federal Bank (#29140) net interest income $14.9 million; American Federal Bank (#29140) call report June 30, 2026.
American Federal Bank (#29140) noncurrent real-estate loans: none reported; American Federal Bank (#29140) net charge-offs on real estate 0.00%.
American Federal Bank (#29140) net interest margin 4.05% against an eight-quarter American Federal Bank (#29140) average of 3.78% (American Federal Bank (#29140) compression -0.27 points); American Federal Bank (#29140) rate-exposure score 40/100, American Federal Bank (#29140) fixed-rate trap 40/100; American Federal Bank (#29140) risk type credit driven; American Federal Bank (#29140) rate regime rates elevated, American Federal Bank (#29140) snapshot October 19, 2026.
American Federal Bank (#29140) stress score moved from 74.4 on June 22, 2026 to 73 on October 19, 2026; American Federal Bank (#29140) ranged 73 to 74.4 over 116 snapshots.
American Federal Bank (#29140) alerts: 9 counties; top American Federal Bank (#29140) alert scores: Ada County, ND 25 (low); Fargo County, ND 25 (low); Fergus Falls County, ND 25 (low); Fosston County, ND 25 (low); Hallock County, ND 25 (low).