# AMERICAN BANK
FOND DU LAC, WI · FDIC certificate 19838 · asset band $300M-1B · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $451.4M | |
| Deposits | $376.3M | |
| Loans and leases | $326.0M | |
| Total equity | $58.2M | |
| Loans / deposits | 84.14% (p51 of band) | 83.96% |
| Liquid assets / assets | 25.18% (p52 of band) | |
| Uninsured deposits / deposits | 37.76% (p89 of band) | 19.94% |
| Brokered deposits | 3.25% | |
| Wholesale funding | 6.01% (p48 of band) | |
| FHLB advances / assets | 0.85% | |
| Tier 1 leverage | 11.96% (p79 of band) | 10.13% |
| Unrealized securities loss / equity | 2.91% (p56 of band) | 2.47% |
| AOCI / equity | 0.51% (p29 of band) | |
| ROA (annualized) | 1.04% (p60 of band) | 0.92% |
| Net interest margin | 3.75% (p61 of band) | 3.59% |
| Efficiency ratio | 52.76% (p12 of band) | |
| Noncurrent loans | 0.31% (p25 of band) | 0.67% |
| Net charge-offs (annualized) | 0.00% (p24 of band) | |
| Reserve coverage of noncurrent | 941.99% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 84.76% (p85 of band) | |
| Auto loans | $119,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 4.4% | |
| Employees | 83 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 2 | charge-offs p90, uninsured deposits leaving |  |
| 2012-09 | 0 |  | charge-offs p90, uninsured deposits leaving |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |

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

- 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
- 2026-05-06 [First American Bank Expands Chicago Middle Market Team with Courtney Joyce - GlobeNewswire](https://news.google.com/rss/articles/CBMi3wFBVV95cUxObWUxSDl0dDhEaV9xdXYxeEFjc2FFSUtOY2NIbDRIOTdJTlhGQnJBZTJKUkx0TjlnSTJFN3BHRW1LV1VqSk9YTVZmUVBaSDJSTFJUVDdYQ1EtM1pTZnBucEpIeHBmcDZyREZIUmNQNFpuUlBoekk2SVdVa1lPZS02WDlySjRES3doSXVYb1prMWprX2dOYUR6RjhSUkxNcGxpem1QbWtYR1FyZC1JeTJ5WHpxelg1bHotYkVoc0lFOFVBYXVJSXYyTF9lU0lERU04dWltVURqYkFBWGxaV0Fr?oc=5) · GlobeNewswire
- 2025-12-01 [Associated Banc-Corp to accelerate growth strategy with acquisition of American National Corporation - PR Newswire](https://news.google.com/rss/articles/CBMi7AFBVV95cUxPblZab3lCbG40RzhkdWZWSFpfelR0N3M5Vy1BSDAwNjVTQWJnTnFiQnQxc2FoS3lLZnRZYW56Ui1LYzdyR0FITDdRRmtkUHNncnZPX0dXWldsSmI2V2k4UWJuX1YwdThKNkpqelpsT01vbF9uZ1hJbFdWQmNlQVBwSnhOVHo4MUFFY1RWUVBTcm9rTG5DYjdGcW9hNXpuUzRZcVJXbjJ4SGZYVjZZQ2tMdTJ4ZjB1Z1pad2xIeTJPbUZQOUJEb3lrclZrQlRGTHNGaWJQYVJCMlRpa1Q1ckpuTjZBNzktSVA3S0pMUA?oc=5) · PR Newswire
- 2026-03-30 [First American Bank merging Kankakee branch into its Bourbonnais location - Shaw Local](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPRFVUUnlCd19VYktGRm9sMGNJQmdXN2FiZ19ta1hEa2hNTmpFdDRkc3JsYXZvWXQwdEJiU0pyQzM4VHczZ2U5ckFTMnBremdJZ0RKSW5QU1R6UG5PR2ZPR1RfMXJXMGxLaWlIVTNNMVBzRGE0dTlMeDdnREZQMHh1NTlkMkd3aE5WSVlzd3A2RjVXWFJUZ24wSW1jY25wRGJEcG9XcGRUZGxMWG5obkV6YThJdTZaY09IdG9XaXkzcXhpc1U?oc=5) · Shaw Local
- 2025-07-18 [Texas, Wisconsin banks agree to buy in-state peers - Banking Dive](https://news.google.com/rss/articles/CBMiygFBVV95cUxOSWFLaFN5R2sxU0Uzdm9aY1ZpeTZZNHlVLWx0Y3pPTGxFZjdYajBERk41MVdJbnFkOXFKSGppUmprV0I4M1BUaVVwTncwOVJqbUFHU1hzTXU5b2ZrNTNWcWFER2xDOTNQa1c3UEYwUnlVMDI2VEVSNTFyNEd0RjNEc3hxeFZuOW13QmZzMDFUb21ZQl9nQk1OcHY0dkhKN2ttUGlUVm9saDRrQ2trR0NVeTZUZWxpNWN4MTdzcF9vSUFVRmxBNGs2TFln?oc=5) · Banking Dive
- 2026-05-22 [Kent Paul reflects on 25 years helping build Native American Bank - Tribal Business News](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQQkdnOTJFSzVJUGRMYVJPbzNyZ0xPcS1vdDVDODF3Qnl0S1N0WkVWMVd5LVNXOVRrSFphYS02YVpvb2lZVXV1d2xhdEZxNUFiaDVlRHFhLWl0T3ZoNFpBRzhWbl9Ucy1taVAwYkdPY2Z1UmRwZHc4TVdJTWF6Sm1NdUI4OFBSY3h3TkJhcnRJVXo4dDRsS010bmJPZk1hd0QwR1NxN2NOelhVYUlvSjNfUDBpLUhkWkRrTXBqNHJzUTFWYi1uSnFYOQ?oc=5) · Tribal Business News
- 2020-09-16 [First American Bank to open downtown Milwaukee loan production office - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMigAFBVV95cUxOZXdFdFhkclVBTG9EWm45a1ZxN3VxdUV0VUhkNDFld1JfaDZRc3VTNzRFaWJBV295NVZZVE1rR2tRLWNKV3YtQ3N6aHIyQjhwRmZRRTN4aGxEaFhFeHV1Um1FNzRWU051WloyM2FodkFGcUNTMFdTRE5CbC05UzJLMA?oc=5) · BizTimes - Milwaukee Business News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19838 (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/62.json (key "19838", 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.

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