American Interstate Bank: how it compares with its peers
Against 55 NE banks with half to twice its assets, American Interstate Bank's strongest measure in Q2 2026 is efficiency ratio (31.37% vs. a 57.67% peer median). Its weakest relative measure is assets per employee ($13.2M vs. $8.3M).
| Measure | American Interstate Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 3.61% | 1.35% | Top third Ahead of 98% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.31% | 3.80% | Top third Ahead of 98% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 31.37% | 57.67% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $13.2M | $8.3M | Top third Ahead of 95% of peers |
| Loans to deposits Net loans and leases over total deposits. | 68.58% | 81.67% | Context |
What it means for lending operations
Its efficiency ratio of 31.37% is better than the 57.67% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- F&M Bank Falls City, NE · $135M
- First Central Bank Cambridge, NE · $138M
- West Plains Bank Ainsworth, NE · $139M
- Hershey Bank Hershey, NE · $141M
- First Central Bank McCook Mccook, NE · $123M
- Bank of Dixon County Ponca, NE · $142M
Questions about American Interstate Bank
How big is American Interstate Bank?
American Interstate Bank, established in 1915, is headquartered in Elkhorn, NE. It reported $132M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is American Interstate Bank's return on assets?
3.61% annualized in Q2 2026, against a 1.35% median for 55 NE banks with half to twice its assets, ahead of 98% of them.
What is American Interstate Bank's efficiency ratio?
31.37% in Q2 2026: it spent about 31 cents in noninterest expense for each dollar of revenue. The peer median is 57.67%, and lower is better.
Is American Interstate Bank growing its loans?
Net loans grew 7.1% over the year to Q2 2026, while deposits shrank 8.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NE banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Nebraska bank ranked.