American B&T Co NA (FDIC #34955): Bank Stress & Real-Estate Credit Exposure
American B&T Co NA (FDIC Cert #34955): bank stress 81/100, severe, STABLE over 7 days; parent AMBANK HOLDINGS INC.
American B&T Co NA (#34955) lends in 3 counties across 2 states; American B&T Co NA (#34955) reaches 77 ZIP codes: Illinois 2 counties, 55 ZIPs; Iowa 1 county, 22 ZIPs.
American B&T Co NA (#34955) largest markets: Kane County, IL (34 branches, 34 ZIPs) (#34955), Scott County, IA (22 branches, 22 ZIPs) (#34955), Rock Island County, IL (84 branches, 21 ZIPs) (#34955).
American B&T Co NA (#34955) reports $480.9 million in total assets; American B&T Co NA (#34955) equity $40.3 million (8.4% of American B&T Co NA (#34955) assets); American B&T Co NA (#34955) domestic deposits $387.8 million; American B&T Co NA (#34955) net income $1.8 million; American B&T Co NA (#34955) return on assets 0.78%; American B&T Co NA (#34955) return on equity 9.47%; American B&T Co NA (#34955) net interest income $7.0 million; American B&T Co NA (#34955) call report June 30, 2026.
American B&T Co NA (#34955) noncurrent real-estate loans: none reported; American B&T Co NA (#34955) net charge-offs on real estate 0.55%; American B&T Co NA (#34955) residential charge-offs 1.07%.
American B&T Co NA (#34955) net interest margin 3.28% against an eight-quarter American B&T Co NA (#34955) average of 3.09% (American B&T Co NA (#34955) compression -0.19 points); American B&T Co NA (#34955) non-residential real estate 107.4% of equity; American B&T Co NA (#34955) rate-exposure score 40/100, American B&T Co NA (#34955) fixed-rate trap 40/100; American B&T Co NA (#34955) risk type credit driven; American B&T Co NA (#34955) rate regime rates elevated, American B&T Co NA (#34955) snapshot October 19, 2026.
American B&T Co NA (#34955) stress score held at 80.6 across 116 daily snapshots, June 22, 2026 to October 19, 2026.
American B&T Co NA (#34955) alerts: 3 counties; top American B&T Co NA (#34955) alert scores: Davenport County, IA 26 (low); Elburn County, IA 26 (low); Rock Island County, IA 26 (low).