Total Assets
$468M
Total balance-sheet footings
FDIC Cert #34955 · Davenport, Iowa · Est. 1999
American Bank and Trust Company, National Association - FDIC Bank Health Profile
A community-scale look at American Bank and Trust Company, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $468M
- Total assets
- C
- Health grade · Fair
- 0.43%
- Return on assets
- 13.0%
- Tier 1 capital
Data updated July 2026
The verdict
American Bank and Trust Company, National Association earns a PlainBankData health grade of C (62/100), with well-capitalized at 13.02% Tier 1, 0.43% ROA, 89% efficiency ratio.
- #1,884
- largest of 4,313 FDIC banks by assets
- 56th
- percentile by asset size, nationally
- 13.02%
- Tier 1 ratio - above the 10% well-capitalized line
- 13th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How American Bank and Trust Company, National Association's 62/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
American Bank and Trust Company, National Association's composite health score
Tier 1 Capital Ratio (13.02%) 35/40
Return on Assets (ROA) (0.43%) 7/25
Texas Ratio (0.33%) 20/20
Efficiency Ratio (88.69%) 0/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$418M
Customer-funded liabilities
Net Loans
$318M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where American Bank and Trust Company, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. American Bank and Trust Company, National Association's score of 62/100 falls in the highlighted band.
American Bank and Trust Company, National Association's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). American Bank and Trust Company, National Association's $468M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.02% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.02%
Texas Ratio
0.33%
Equity Capital
$38M
Profitability metrics
Return on Assets (ROA)
13th percentile nationally
0.43%
Return on Equity (ROE)
5.93%
Efficiency Ratio
88.69%
What the numbers say about American Bank and Trust Company, National Association
American Bank and Trust Company, National Association is an FDIC-insured institution (Certificate #34955) headquartered in Davenport, Iowa, established in 1999. It holds $468M in total assets - 1,884th of 4,313 FDIC-insured banks, $418M in customer deposits, and $318M in net loans. Capital-wise, the Tier 1 ratio sits at 13.02%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.33%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (62 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
American Bank and Trust Company, National Association sits 70th of 230 banks headquartered in Iowa by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$21M
Interest Income
$4M
Non-Interest Income
$16M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. American Bank and Trust Company, National Association reports a Texas Ratio of 0.33% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.33% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Iowa by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) American Bank and Trust Company, National Association (FDIC Cert #34955) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Iowa
All Iowa banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Principal BankDes Moines | $9.3B | A | 1.24% |
| Bankers Trust CompanyDes Moines | $7.5B | A | 1.10% |
| MidWestOne BankIowa City | $6.3B | A | 1.12% |
| Hills Bank and Trust CompanyHills | $4.6B | A | 1.33% |
| West BankWest Des Moines | $4.1B | A | 0.94% |
| Northwest BankSpencer | $3.0B | B | 1.03% |
| Cedar Rapids Bank and Trust CompanyCedar Rapids | $2.9B | A | 2.83% |
| Quad City Bank and Trust CompanyBettendorf | $2.7B | A | 1.30% |
Frequently asked questions
What is American Bank and Trust Company, National Association's health grade?▼
American Bank and Trust Company, National Association receives a health grade of C (62/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is American Bank and Trust Company, National Association?▼
American Bank and Trust Company, National Association holds $468M in total assets and $418M in deposits, ranking 1,884th of 4,313 FDIC-insured banks by asset size. It is headquartered in Davenport, Iowa.
Is my money safe at American Bank and Trust Company, National Association?▼
Yes, deposits at American Bank and Trust Company, National Association (Certificate #34955) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is American Bank and Trust Company, National Association's Tier 1 Capital Ratio?▼
American Bank and Trust Company, National Association has a Tier 1 Capital Ratio of 13.02%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for American Bank and Trust Company, National Association?▼
American Bank and Trust Company, National Association has a Texas Ratio of 0.33%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is American Bank and Trust Company, National Association?▼
American Bank and Trust Company, National Association has an Efficiency Ratio of 88.69%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read American Bank and Trust Company, National Association's profile as a depositor or analyst.
- American Bank and Trust Company, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare American Bank and Trust Company, National Association against other Iowa banks before moving funds. Iowa banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.