# AMERICAN BANK OF COMMERCE
WOLFFORTH, TX · FDIC certificate 18609 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.86B | |
| Deposits | $1.44B | |
| Loans and leases | $1.26B | |
| Total equity | $147.5M | |
| Loans / deposits | 86.42% (p49 of band) | 87.10% |
| Liquid assets / assets | 27.41% (p70 of band) | |
| Uninsured deposits / deposits | 30.82% (p50 of band) | 30.76% |
| Brokered deposits | 4.83% | |
| Wholesale funding | 18.29% (p86 of band) | |
| FHLB advances / assets | 13.43% | |
| Tier 1 leverage | 9.65% (p27 of band) | 10.50% |
| Unrealized securities loss / equity | -29.74% (p10 of band) | -7.75% |
| AOCI / equity | 0.52% (p93 of band) | |
| ROA (annualized) | 1.04% (p33 of band) | 1.26% |
| Net interest margin | 3.50% (p37 of band) | 3.70% |
| Efficiency ratio | 59.55% (p52 of band) | |
| Noncurrent loans | 0.15% (p19 of band) | 0.51% |
| Net charge-offs (annualized) | 0.07% (p70 of band) | |
| Reserve coverage of noncurrent | 802.25% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 180.44% (p99 of band) | |
| Auto loans | $196,000 (0.02% of loans; DQ 22.45%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 5.5% | |
| Employees | 171 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent, construction >100% equity |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 1 | deposits shrinking | reserve under noncurrent |
| 2012-06 | 0 |  | deposits shrinking |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | charge-offs p90 |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | charge-offs p90 |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | construction >100% equity |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 | charge-offs p90 | construction >100% equity |
| 2018-03 | 0 |  | capital falling, charge-offs p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | capital falling, construction >100% equity |  |
| 2019-03 | 0 |  | capital falling, construction >100% equity |
| 2019-06 | 1 | deposits shrinking |  |
| 2019-09 | 0 |  | deposits shrinking |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 2 | capital falling, construction >100% equity |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 4 | uninsured deposits >50%, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 4 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 2 |  | uninsured deposits >50%, deposits shrinking |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | assets shrinking |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | assets shrinking |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | wholesale funding >15% |  |
| 2025-12 | 4 | uninsured deposits leaving |  |
| 2026-03 | 4 |  |  |
| 2026-06 | 3 | capital falling | securities losses >30% of equity, uninsured deposits leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-04-30 [American Bank of Commerce breaks ground at new south Lubbock location - KCBD](https://news.google.com/rss/articles/CBMinAFBVV95cUxPMEFJRHYzdlJuVElIblpUd3pPR3puT24wVXVMZF9wajFmcWd5NkNISkgydWNhS1RNcWFjaWViUzV5MHkydFNyWmtPMGFvbGYyNmgyQ0FvbkFvOEhINmgwbWhLTFk3c3ppNEVfN0kyaWVIMUtldFBoTXRCYUsxZHJLY0ZrRGgzRXgzYzhJbUNKdi05TVZ5TWNzREJzUTPSAbABQVVfeXFMTlh1WmZxT2lSZ3lQNkY3R3diMjR6Mi1neHRBcEsxQ0UwX2ZURWtSUHlYZFBNcmxGeVlXaFIxeTZYWS1YeENKRFpKeFZHVC1mTVVyaWxkaXFPcXh5VWJHV2xtbkJjTXhsUTJMTTlSejByMTQ0NzlXdjVadHNqRWpfemxKNmtObTJvaXNsR0lOZE01ZEZfVlRIYVkyRGN6YzIySjVsMEFFRTdFTTRHR2MzUFA?oc=5) · KCBD
- 2021-02-19 [Lubbock area business briefs: Deadline approaching for SBA loans due to drought - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMizwFBVV95cUxNWXRSYU5FUnlfd3BlYlhBOFQxZkNiNTdzYUhoM1VLQkk4TjBkd2xjdkRQeWplY05yR3d5MnEtcklOVXNoRHJIZTl6d1pvVGVWYURHVllFeFpyeFMwcEJibGtuZkc1d1RiY2w3N0tXV01TR0FZSEo3RjJVZUx2V3M0XzAyel9pUG1YX3kyNXdvQWhHbEJnaE9tZ2tnb1hXVklJWGFEQ3YzLU1IOFpjNXhhM1YyOUwwMExGQmdZM0U3OE9kYm5mTG9ZY1owR2NCOUU?oc=5) · Lubbock Avalanche-Journal
- 2019-03-29 [American Bank of Commerce announces acquisition of Infinity Mortgage Holdings - KLBK | KAMC | EverythingLubbock.com](https://news.google.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?oc=5) · KLBK | KAMC | EverythingLubbock.com
- 2020-05-25 [Who Was That Masked Man? Another ABC Bank Customer - People Newspapers](https://news.google.com/rss/articles/CBMiogFBVV95cUxPMmJNeFdNcXBzZ3dsUXJuNDJDWjBhblNhWHFwWVFDU0JwbFFManp3THpZZ2pQMm5xZHBWelM1TElKemxtUE9GaU9UUjUtNnd6SS1jQ2VRaGZJRVpoNUNZVGtxWkVqcGpsUXFBMlBNZWI3NERfSzJFZzBYRVhNVlk5TTR0TjdpUFM3QjJYcjlQdEJiaVV6eW4wOFR4TDFCSzlyeXc?oc=5) · People Newspapers
- 2019-03-28 [American Bank of Commerce Announces New Market President - KCBD](https://news.google.com/rss/articles/CBMijwFBVV95cUxOQU4zZVloYUxuU0YyOVdtTEd4OTdoT2s0NEZJbEdDaS1Lb19SZXAtQTNmN25OR0NuSnRKbXNtNEpOU1JDdFhMTEtpUlltcWpyRG4ySDgxOTJGVDYwNlgyTC1sQlVQR05lRnByYkNTNDlCLXZ3V1hwRTJPeTh6SVd4aEZxY0RnRzE2blNiRktqSdIBowFBVV95cUxPRkpOYkdHYnhsZ3hwcTVZaUxRVDFJSVV4UFJyUnRUSzluR0NLWE5rdFdRS1VqVjl5d3NCc0RYM1NHN3Z3TXd5TDZEMmVNQi1ySjlqVWh1cTlLUXRSUTZWVmRzZzQ4TmJJbTBNQUVVRl9zOUNtMHBhd3Y2U2hBd0JoZlFsam4wcnVhZ0dzcXdSc24tR3FwWnJVeG96d0tQTXR2QTZZ?oc=5) · KCBD
- 2025-04-24 [American Bank of Commerce announces upcoming South Lubbock location - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMizwFBVV95cUxORDI5dnJrSlZwWVQ0b09NZ0k5M0hOOC1yRTRQQ0RnQ2d6aDFQSlotN0NYQXUyVWdzMFJWZ3RMQUJFUUFWXzFXdmdsZEcySWRwc1hxbjBnM2FBSk5SNGFfa2xSSEUzY094VW85T3RmVXhlNlhyODRmRnFLb3NnSUgwUEU2aXpmSHNFbTFQY1QtX3VjdTZPR0tORHBVeGdTaE9ma1JjelM0TXVsMnJhdjg0UkdJOGF6eFJJVkNKWDFiblJiUVZ1ckg3UzFFZndVWlk?oc=5) · Lubbock Avalanche-Journal
- 2019-09-24 [Billy Bassett Obituary Sep 24, 2019 - Sunset Memorial Gardens & Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1hcjI1NWx3djF0SVJWYTVsQmdmTDFQc0gwZ0dKeWhjWGYtelFxMGNkR21lMGkwOXQ2Y1dka1hKN3A2NU94b3RtMzlFR0dFSE9wdm1mQTFjd2lmeVhEY25IUmpDZw?oc=5) · Sunset Memorial Gardens & Funeral Home
- 2024-12-20 [William Adkins Obituary - Austin, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxOOFlBVUFtLUl2US0yR0lrZG05MGhLRzRxbks0SkhYUjliX05HdDJaSWJvZi1jbHlXZDFjZHBUR3V2Z2xlcHVfZVBycENXbkdMVlJMal83YzFmNFNTc2VNN1lXZE5VMjdKZUtyN0RnQU9BZHBWbUpZaUtzVVBWZ0o3bUlR?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18609 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/49.json (key "18609", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide