# AMERICAN BANK
COVINGTON, LA · FDIC certificate 19234 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $366.6M | |
| Deposits | $322.6M | |
| Loans and leases | $249.1M | |
| Total equity | $39.9M | |
| Loans / deposits | 75.82% (p37 of band) | 82.04% |
| Liquid assets / assets | 26.48% (p55 of band) | |
| Uninsured deposits / deposits | 34.78% (p79 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.08% (p37 of band) | 10.81% |
| Unrealized securities loss / equity | -0.39% (p92 of band) | -8.10% |
| AOCI / equity | -0.35% (p50 of band) | |
| ROA (annualized) | 0.63% (p15 of band) | 1.28% |
| Net interest margin | 5.64% (p98 of band) | 3.91% |
| Efficiency ratio | 79.09% (p88 of band) | |
| Noncurrent loans | 5.04% (p97 of band) | 0.43% |
| Net charge-offs (annualized) | 0.08% (p82 of band) | |
| Reserve coverage of noncurrent | 35.72% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 146.72% (p96 of band) | |
| Auto loans | $253,000 (0.10% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 11.1% | |
| Employees | 77 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | noncurrent p90 |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 4 | charge-offs p90, uninsured deposits leaving |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 3 | deposits shrinking | noncurrent p90, charge-offs p90 |
| 2012-12 | 1 |  | uninsured deposits leaving, deposits shrinking |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 2 | reserve under noncurrent |  |
| 2015-03 | 0 |  | capital falling, reserve under noncurrent |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 2 | uninsured deposits leaving |  |
| 2015-12 | 3 | capital falling |  |
| 2016-03 | 2 |  | capital falling |
| 2016-06 | 1 |  | uninsured deposits leaving |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 3 | charge-offs p90, uninsured deposits leaving |  |
| 2017-09 | 1 |  | charge-offs p90, uninsured deposits leaving |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 | capital falling | reserve under noncurrent |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | reserve under noncurrent |  |
| 2019-03 | 1 |  | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 1 |  | capital falling |
| 2020-03 | 3 | liquid assets <10%, construction >100% equity |  |
| 2020-06 | 2 | capital falling | reserve under noncurrent, liquid assets <10% |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 2 | liquid assets <10%, uninsured deposits leaving | construction >100% equity |
| 2021-03 | 0 |  | liquid assets <10%, uninsured deposits leaving |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | construction >100% equity |  |
| 2023-09 | 2 | charge-offs p90 |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | noncurrent p90, reserve under noncurrent | charge-offs p90 |
| 2024-06 | 4 | capital falling |  |
| 2024-09 | 3 |  | capital falling |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | charge-offs p90 |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 5 | capital falling |  |
| 2025-12 | 4 |  | capital falling |
| 2026-03 | 4 | expense ratio p90 | charge-offs p90 |
| 2026-06 | 4 | capital falling | expense ratio p90 |

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

- 2026-06-17 [First American Bank and Trust Taps Jack Henry Technology to Power Next Phase of Growth - PR Newswire](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOQS1PV2p1NUtLVDhuOEZTV1dqQVhwcXlvcWdRZ0ZVZ21XWkZ3RnByRmhWbUxza1hFZTUyY2RpLVdzMl94MmNfX1VxTjJPWkg3M0xPa2JnbHJMVWRPQTZMNDIya2R0SHEyOGp1VXhFR2MydEdVcnhwODhwOWNoOF9WbUwzdHdpTWFHclN5NGNuUlBEN2VBQkQzdWFoUkVCQnRVMkN0OE5pNEpIZTBhZXREZ19rSlFVYlEyQmg5M19xZkpPMHNxeEs5cWJ3VUpTNkFBNGxwQzFXRzlqdw?oc=5) · PR Newswire
- 2026-06-19 [Louisiana's First American Bank and Trust taps Jack Henry for core banking platform - FinTech Futures](https://news.google.com/rss/articles/CBMixAFBVV95cUxOWlV3U0hRRl85R0QtTGt6NV9IWlVfN0I3X3RkVy1TS0hhMjg1QzFZT2tsbEZTVWc2aTl1a2JibWYzeHh5VnlOQzRzaXVMYnE1dGdfMmliOGtFY1dpZ29oZ2dNVVgwZlZmeG0wdUFweG5uZjJsNURyVXZhQU9JSWVGdlpWUVVjRFRjQUhNUDQ2VWVyMjk2U0pWM3FRQkg4OGRhZ0xhQ1FtbjlHYjBkalVDZ3BSZVk5aUVGaVBuZmJPUlVMcEo2?oc=5) · FinTech Futures
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-04-01 [LA bank to buy US commercial banking unit from Japan's SMBC - American Banker](https://news.google.com/rss/articles/CBMinAFBVV95cUxOX1BsNElpTlB5NndsWjB1V3VsRkdjaVNHUlZKNFFvVzdnX1gzQ0FKOE9sbEV2enl4Mm5rcE9odHZxSlpfcW1sTUVIOE4wMEZWUlBFckRpSWcwZUctc1lTUjhXMWJ3YlRwcXNfVEE5SlNMYV81X2FQNDRlcnRVRV9VbHhfVS1IU3ktc2VjOXRONGlyeHJsOVRpd1dCeWw?oc=5) · American Banker
- 2026-06-17 [Louisiana community bank picks Jack Henry for digital banking upgrade - stocktitan.net](https://news.google.com/rss/articles/CBMivAFBVV95cUxNY2FiZmtOS1RHUlFReDhDR0kycXM0dm14Z2NDYWVteEg5S0p1SEpFQnFIZXFpYzBubExjZHJqeXg1T2pZeng5RWk0dWs4UW1oblh3NGNlLWUzMlZmT05GUWphQnp2SzJVWlZtNGRCX1BNX1g2aU84SFAxTXpDa2lxR0RGby1UZ0NfX1BjMDNvRnlwM1pfc1VabC1HRUpGUGFjMHFWUU5GR00xSFB1eWNSai1HX0FSMDV0eXhwdA?oc=5) · stocktitan.net
- 2026-03-05 [Top Private Companies 2026: Gulf Coast Bank tops Louisiana banks in 2025 - New Orleans CityBusiness](https://news.google.com/rss/articles/CBMimAFBVV95cUxQMmRjNnVud0lPcG5rYnFmdlBOcmx0NDJsU1ZSVUp2dXc4UTR2UUIyam5oVVNhYWtWWlczeHVGYVJtNmdaTldENmgyQlJSMEVpVmRxSjBwdF8wMHRlQnprWmx2cF9aV0FQNFRIc3BvcXBoLS1EUVlvXzVDcUp2VkE3d3gwa1FZbGNGdFRvNnhNSFN5eDVUbWxrbA?oc=5) · New Orleans CityBusiness
- 2026-05-22 [LA Korean-American Bank ‘Quantum Bank’ Project Collapses - The Korea Daily](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNejExT2RNdHo0VDRHYjBfaFpCRzVmb2dHRWJyOW5YcWlHTFdYM3ptT0tRRHdjQkh0LTllNEZBX1Q2bmVlNHZIRW4ySUQyOTJfM0M3YnZxUE9xX3ZfVVU5cUxLN0tkVDBHN2FlOGppRjRHUE1jTkhUeloxTUVCLUZ2NHlvUUxYWlBi?oc=5) · The Korea Daily
- 2023-08-01 [First American Bank and Trust - Biz New Orleans](https://news.google.com/rss/articles/CBMihgFBVV95cUxQXzZ0OTNtVjlnT25aYmotOXFxS1Q5YVRhZzNqYWsxamJSRXpITEFhVFlOUUYtLXNIZm8waVF1OVFXRklRY0ZWdnFycmFOMVJZY1lVd3c4bUZ0bXJGU01zczIzd0lvTnpJZ1Fldi1ieUQ1QVF3bDFVTUNNY0pkLXAyXzZ1NUgtZw?oc=5) · Biz New Orleans

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19234 (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/34.json (key "19234", 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