American Bank (merged into Prosperity Bank)
American Bank reported total assets of $2.5 bn at Q4 2025, its last Call Report before it merged into Prosperity Bank. The CET1 capital ratio at American Bank was 8.78%, and the uninsured share of American Bank was 40.99%. Source: FDIC Call Reports.
Key takeaways
- Since , American Bank has taken over one institution; the latest was TexStar National Bank on (FDIC Call Reports).
What sets American Bank apart
How large is American Bank?
The balance sheet of American Bank at : assets $2.5 bn, deposits $2.3 bn, net loans $1.9 bn (loans equal to 83.14% of deposits). Securities make up 9.1% of total assets at American Bank. Since , when American Bank held $1.3 bn, its assets grew 97.6%. In the year to , deposits at American Bank rose 0.6% while its total assets fell 0.8%. At , American Bank employed 363 full-time equivalent staff across 18 offices, about $6.9 mn of assets per employee and $126.2 mn of deposits per office.
How much funding at American Bank is uninsured?
At American Bank, uninsured deposits (above the FDIC limit) made up 40.99% of domestic deposits at (+0.92 pp on a year earlier). In dollars, American Bank estimated $930.8 mn of uninsured deposits.
Key facts, Q4 2025
| Metric | Value | A year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.3 bn | $2.3 bn (Q4 2024) | |
| Net loans and leases | $1.9 bn | $1.7 bn (Q4 2024) | |
| Loan-to-deposit ratio | 83.14% | 75.54% (Q4 2024) | |
| Tier 1 leverage ratio | 7.12% | 10.10% (Q4 2024) | |
| Total risk-based capital ratio | 9.85% | 14.64% (Q4 2024) | |
| Net interest margin | 4.13% | 3.86% (Q4 2024) | |
| Return on assets (ROA) | -0.84% | 1.50% (Q4 2024) | |
| Efficiency ratio | 96.77% | 63.76% (Q4 2024) | |
| Unrealized gain/loss on available-for-sale securities | Loss of $18.1 mn | Narrowed by $39.6 mn | |
| Noncurrent loans to total loans | 0.24% | 0.34% (Q4 2024) | |
| Net charge-offs to average loans | 0.11% | 0.14% (Q4 2024) |
US rank of American Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
American Bank: assets, deposits and loans
- Total assets $2.5bn
- Deposits $2.3bn
- Net loans $1.9bn
Capital and securities
The CET1 ratio of American Bank stood at 8.78% in , -4.80 pp year on year. Low and high at American Bank since : 8.78% () to 14.12% (). Equity capital of American Bank at : $211.2 mn, or 8.4% of total assets. American Bank also reported a total capital ratio of 9.85% for , and a tier 1 leverage ratio of 7.12%.
The available-for-sale portfolio of American Bank showed an unrealized loss of $18.1 mn at ; the loss narrowed by $39.6 mn over the year.
American Bank: capital ratios
- Total capital 9.9%
- CET1 8.8%
- Tier 1 leverage 7.1%
American Bank: unrealized securities gains and losses
- Available for sale -$18mn
- Held to maturity $0
Profitability and loan quality
For the year to , American Bank earned a return on equity of -8.99%; return on assets: -0.84%. Net interest margin at American Bank: 4.13%, +0.26 pp in a year. American Bank net income: -$21.3 mn, down 156.7% year on year. The efficiency ratio of American Bank was 96.77%: about 97 cents cost per revenue dollar, against 59 cents at the median peer.
At , noncurrent loans were 0.24% of total loans at American Bank; net charge-offs: 0.11% of average loans. Gross loans and leases at American Bank: $1.9 bn at , against $1.7 bn at .
American Bank: profitability
- Return on equity -9.0%
- Net interest margin 4.1%
- Return on assets -0.8%
Peer group of American Bank
The peer group of American Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 4 share the charter type of American Bank (national bank) and 1 has its head office in Texas. Against them, American Bank shows CET1 ratio 8.78% against a peer median of 11.83%, return on equity -8.99% against a peer median of 12.75% and uninsured deposit share 40.99% against a peer median of 18.90%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Beverly Bank & Trust Company | National bank | IL | $2.5 bn | 11.83% | 14.25% | 29.10% | |
| Fidelity Bank & Trust | State nonmember bank | IA | $2.5 bn | 10.56% | 10.40% | 40.93% | |
| INB | National bank | IL | $2.5 bn | 12.11% | 12.58% | 18.61% | |
| American Bank | National bank | TX | $2.5 bn | 8.78% | -8.99% | 40.99% | |
| State Bank of the Lakes | National bank | IL | $2.5 bn | 11.38% | 12.91% | 17.27% | |
| United Bank of Iowa | State nonmember bank | IA | $2.5 bn | not reported | 13.88% | 18.61% | |
| Extraco Banks | National bank | TX | $2.5 bn | 15.58% | 11.03% | 19.19% | |
. FDIC Call Reports.
Last eight quarters
Two years at American Bank, to : assets $2.5 bn to $2.5 bn, deposits $2.1 bn to $2.3 bn, equity $223.0 mn to $211.2 mn. Staff 377 to 363.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.5 bn | $2.5 bn | $2.5 bn | $2.5 bn | $2.5 bn | $2.6 bn | $2.6 bn | $2.5 bn |
| Total deposits | $2.1 bn | $2.3 bn | $2.2 bn | $2.3 bn | $2.3 bn | $2.3 bn | $2.3 bn | $2.3 bn |
| Bank equity capital | $223.0 mn | $223.2 mn | $242.8 mn | $246.3 mn | $235.7 mn | $238.9 mn | $251.9 mn | $211.2 mn |
| CET1 ratio | 12.56% | 12.72% | 13.02% | 13.58% | 12.42% | 12.12% | 11.58% | 8.78% |
| Return on equity (ROE) | 11.10% | 9.90% | 10.87% | 16.20% | 11.66% | 11.31% | 12.47% | -8.99% |
| Uninsured share of domestic deposits | 37.14% | 40.18% | 38.93% | 40.06% | 39.13% | 41.37% | 41.68% | 40.99% |
| Full-time equivalent employees | 377 | 378 | 364 | 357 | 365 | 365 | 362 | 363 |
| Number of offices | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of American Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed TexStar National Bank (FDIC certificate 57704).
- . Merged into Prosperity Bank (FDIC certificate 16835).
Questions and identifiers
What were the total assets of American Bank?
American Bank reported $2.5 bn at in its Call Report.
Is American Bank the same as its holding company?
No. This page covers American Bank, FDIC certificate 20241; AMERICAN BANK HOLDING CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is American Bank profitable?
American Bank reported net income of -$21.3 mn for the year to ; annualized return on equity: -8.99%. So no: American Bank made a loss over these months.
When is data for American Bank next updated?
American Bank no longer files Call Reports; its data ends at .
Where can I check the figures for American Bank?
In the FDIC BankFind Suite record for certificate 20241, and in the Call Reports of American Bank (RSSD ID 807955) at the FFIEC Central Data Repository.