# AMERICAN BANK
ROCKVILLE, MD · FDIC certificate 32328 · asset band $300M-1B · latest filing 2015-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $319.2M | |
| Deposits | $263.1M | |
| Loans and leases | $176.7M | |
| Total equity | $52.5M | |
| Loans / deposits | 66.64% (p21 of band) | 82.78% |
| Liquid assets / assets | 39.84% (p80 of band) | |
| Uninsured deposits / deposits | 30.11% (p78 of band) | 20.30% |
| Brokered deposits | 0.04% | |
| Wholesale funding | 0.04% (p13 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.46% (p92 of band) | 10.05% |
| Unrealized securities loss / equity | 0.01% (p35 of band) | 0.46% |
| AOCI / equity | -0.04% (p67 of band) | |
| ROA (annualized) | 0.79% (p39 of band) | 0.91% |
| Net interest margin | 1.89% (p2 of band) | 3.59% |
| Efficiency ratio | 85.83% (p90 of band) | |
| Noncurrent loans | 4.87% (p98 of band) | 0.71% |
| Net charge-offs (annualized) | 0.10% (p71 of band) | |
| Reserve coverage of noncurrent | 15.98% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 19.71% (p29 of band) | |
| Auto loans | $129,000 (0.07% of loans; DQ 5.43%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -3.6% | |
| Employees | 215 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | wholesale funding >15%, losing money, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 5 |  | construction >100% equity |
| 2011-09 | 5 |  |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking | losing money, charge-offs p90 |
| 2012-06 | 6 | capital falling |  |
| 2012-09 | 5 | charge-offs p90 | noncurrent p90, capital falling |
| 2012-12 | 4 | noncurrent p90 | deposits shrinking, assets shrinking |
| 2013-03 | 5 | NIM <2.5% |  |
| 2013-06 | 2 |  | charge-offs p90, noncurrent p90, NIM <2.5% |
| 2013-09 | 5 | expense ratio p90, NIM <2.5%, noncurrent p90 |  |
| 2013-12 | 6 | deposits shrinking |  |
| 2014-03 | 4 |  | expense ratio p90, deposits shrinking |
| 2014-06 | 6 | capital falling, expense ratio p90 |  |
| 2014-09 | 5 |  | capital falling |
| 2014-12 | 5 |  |  |
| 2015-03 | 4 |  | expense ratio p90 |
| 2015-06 | 4 |  |  |
| 2015-09 | 5 | charge-offs p90 |  |
| 2015-12 | 5 | expense ratio p90, assets shrinking | wholesale funding >15%, charge-offs p90 |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2023-07-10 [Wells Fargo promotes head of Native American banking to managing director - Reuters](https://news.google.com/rss/articles/CBMivAFBVV95cUxPcTJsTTFEV3BCbFdxdVhHa2lyNENEdmNtUEhYT040eUpDNEdPb3Q3YlR3bDNFVkVVOWxmSjZjZ3AwTW96blBFNk1VaXA1LUpib0NxRWtuNC0ta292YkJ1cXptZUFPVVRXOEhrZXdTYWlrZWo5TU1zdTZxU3ozMG9CQXNNSWpoTUxOdEV0NnBlRjdGaUZUaEw2ZG1vLWc2ajVVOHZ6d19fSGh0bkNkbXRySnp4REhKQ0o2TFhSag?oc=5) · Reuters
- 2019-07-09 [New banks of 2019 - American Banker](https://news.google.com/rss/articles/CBMiZkFVX3lxTE16UnZwTjNGM24ybTBuOHZsdFBKWFg4SXJSSTdrVDNlVEs0eXI4UHgwOUd0dEttZTlBNnlDSGc4X0sxMUhudGlVNThLTERDbTB2NGhtZzVUNlBMMUs5YUl3cXp2U2RsZw?oc=5) · American Banker
- 2015-12-16 [Regulator Opens Case Seeking to Bar Maryland Bank CEO From Industry - wsj.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNeUxDREhHX0hxR29VMW5VWUpHVldXX3pMZW5aT3BSajFRTUdzN0UwNUZwTVhXbGVsTGZCUU9keEtuR1BLN1dxTE9lXzZZOUp3QzQySTVPNjlfejRwZDdFY1RnWDN3TGJBTFBlVHFUWmVGUVZ2V192TDA1cHVwTk1wa1dMaEo4M2dtVlBWWFFnckFMbGsyanNCczhiUlQwaDNQNUlLVjhsQ2J1Y0E?oc=5) · wsj.com
- 2024-06-06 [Pinnacle Announces Addition of Three New Associates in Maryland - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMivgFBVV95cUxPTEczdDR3d0doWklIdUhjck4yNldBY2g0bjdub2tBcmZXUnh6Y2NhZmZ0UGZCNERvRTFIeXZ1NS03dE9vVnNzYUI4YzdXMjZmX1hKd2djUGZqdlhvSF9XWnI4aTg3RnV2Sm12THVNMjZwYWR3UjJtZWwtYmJoRmVGTVNmczg5TnR6SEVrd092clpNQjFpaFhMQjlRT3VSaFoxX0tWcV9ZMTRYTko2N3JHSEQ4WHAxajVqWExCWmpB?oc=5) · Pinnacle Financial Partners
- 1990-02-18 [MD. BANK STATIONERY FIRM PLANS MOVE TO SAN ANTONIO - The Washington Post](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPcmJISWJTbG00a29pazNrSFhYX0MxMXR0YUxsOGtrQVphY2F2YS16cFVFdktsbWJfd0NfcGIwSWRGUTIzZUhZaldiWHh1RlZpbVVEaUpDdHlGU1RhbEtNR3dvMVQxUUR0bHAyaDhWdWE3V2FhSFFXTU5wQkltalpCdXFVdEZnU043b1BUU1c5bmNYQzNGeVZuZ1dYaTE0ejQyZXlYQkMxSXlVSWlMNmRXTmFXb0tQSGUtTFBIVnJLMkJKaWk2WFkybHFRZjFCX0JsdnlOU3AyYy1TVlY3RmQ0?oc=5) · The Washington Post
- 2025-10-17 [TD Bank Announces Key Executive Appointments in U.S. - TD Stories](https://news.google.com/rss/articles/CBMikgFBVV95cUxOT2pLSXBJX29VMDFUVndxalpzQzR0enEyU2RPTHVWRjAyb2N5blNtcE11ZWZvekV4TFA5NFFqVUNINjkxVGNwNzFSZ05fbFBUSnJic09tUHU5NktGSVoyU0h1UExOb3ZJVWE1Nm5aR3ZPLTRxT044VngzYWJ4YWk3N0xaeHFITUx6ZDFJWFhqLU5yQQ?oc=5) · TD Stories
- 2021-07-22 [Congressional Bank Reaches $2.8 Settlement With Consumers Over Alleged American Bank Kickback Scheme - Top Class Actions](https://news.google.com/rss/articles/CBMi-wFBVV95cUxOemJGMjEzdGNWdlNrUk05UDBYMzNsQ29aVUV2SzFTUmJsOXlMZzEyMGVGcm9FcjdCMUF0bXYzbVJkay1rRWJxd2t4eW9DVmlHMjlzSTZwMmN6MlB2cnpOdGMzbVFsMTVMVUhLMGJmRURCNUN4aUdjTE40aHVPaVAtN3ZHTlJmNmxsWkhRNnB0Wko0dXpPZ1dBVC04RVZUN1NHSG0xSWFkeXZBWFBULTl1eVQzY01sX2pINVpaeGZtNmJxd3VwWEZmMXVEQVVEb2tHMEI2VjU0V21hdElQVHZBLXFhanZpd2FoYnZDUXhOMTZscGtyYllOZlNtYw?oc=5) · Top Class Actions

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32328 (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/8.json (key "32328", 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