American Bank: how it compares with its peers
Against 999 U.S. banks with half to twice its assets, American Bank's strongest measure in Q2 2026 is assets per employee ($8.1M vs. a $7.1M peer median). Its weakest relative measure is efficiency ratio (66.05% vs. 61.21%).
| Measure | American Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.37% | 1.28% | Middle third Ahead of 55% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.11% | 3.89% | Middle third Ahead of 62% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.05% | 61.21% | Middle third Ahead of 37% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.1M | $7.1M | Top third Ahead of 67% of peers |
| Loans to deposits Net loans and leases over total deposits. | 69.13% | 82.32% | Context |
What it means for lending operations
Its efficiency ratio of 66.05% is above the 61.21% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- BankTennessee Collierville, TN · $630M
- First Bank, Upper Michigan Gladstone, MI · $629M
- Delta Bank Vidalia, LA · $632M
- Marion County State Bank Pella, IA · $629M
- FNBT BANK Fort Walton Beach, FL · $629M
- First Independent Bank Russell, MN · $632M
Questions about American Bank
How big is American Bank?
American Bank, established in 1970, is headquartered in Bozeman, MT. It reported $630M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is American Bank's return on assets?
1.37% annualized in Q2 2026, against a 1.28% median for 999 U.S. banks with half to twice its assets, ahead of 55% of them.
What is American Bank's efficiency ratio?
66.05% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 61.21%, and lower is better.
Is American Bank growing its loans?
Net loans shrank 3.4% over the year to Q2 2026, while deposits grew 0.2%.
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 U.S. 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 Montana bank ranked.