# AMERICAN BANK
ALLENTOWN, PA · FDIC certificate 34422 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $1.11B | |
| Deposits | $914.8M | |
| Loans and leases | $904.1M | |
| Total equity | $114.9M | |
| Loans / deposits | 97.90% (p81 of band) | 87.10% |
| Liquid assets / assets | 14.22% (p19 of band) | |
| Uninsured deposits / deposits | 33.73% (p58 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.68% (p48 of band) | |
| FHLB advances / assets | 5.68% | |
| Tier 1 leverage | 10.60% (p52 of band) | 10.50% |
| Unrealized securities loss / equity | -1.14% (p86 of band) | -7.75% |
| AOCI / equity | -0.82% (p23 of band) | |
| ROA (annualized) | 1.28% (p53 of band) | 1.26% |
| Net interest margin | 3.11% (p20 of band) | 3.70% |
| Efficiency ratio | 46.62% (p16 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p15 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 88% | |
| Construction % of loans | 57.41% (p60 of band) | |
| Auto loans | $50,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 11.3% | |
| Employees | 66 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | wholesale funding >15% |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 0 |  | wholesale funding >15% |
| 2012-06 | 1 | wholesale funding >15% |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | wholesale funding >15% |
| 2013-03 | 1 | wholesale funding >15% |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | deposits shrinking |  |
| 2014-03 | 1 |  | deposits shrinking |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | wholesale funding >15% |
| 2016-09 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | wholesale funding >15% |
| 2017-06 | 2 | wholesale funding >15% |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 | capital falling | loans exceed deposits |
| 2018-09 | 2 | loans exceed deposits | capital falling |
| 2018-12 | 1 |  | wholesale funding >15% |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 | liquid assets <10% | capital falling |
| 2020-12 | 1 |  | liquid assets <10% |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 | capital falling | loans exceed deposits |
| 2021-09 | 1 | loans exceed deposits | capital falling |
| 2021-12 | 0 |  | loans exceed deposits |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 | wholesale funding >15% | capital falling |
| 2023-03 | 0 |  | wholesale funding >15% |
| 2023-06 | 1 | loans exceed deposits |  |
| 2023-09 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2023-12 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | liquid assets <10% |  |
| 2024-12 | 2 | capital falling | liquid assets <10% |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 0 |  | loans exceed deposits |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

## 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
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2026-03-25 [Is Western Alliance (WAL) One of the Best American Bank Stocks to Buy? - Yahoo Finance](https://news.google.com/rss/articles/CBMimgFBVV95cUxOWUpTYkNXeHdNQVQ0TnllcjBscy03dGpTN1RxUV9oUXdBWHF1SUhLdkRLNnJ1UHQ5ZFJZS0pxdGdwN1VJNkRwZWx0SzV5TTRUazNxN0lWYWdtQzlsRUhfaXZwSUlkVVo4UVJVMThZNzBGOHlraG5rLXl1WkVuN21ULVc1ZV9fR0NtaC13aFNObHA1azRkdXpmZ3V3?oc=5) · Yahoo Finance
- 2026-01-15 [American Bank reports record year - Lehigh Valley Business](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1saF9jTkEyOTlScTBxNDRSSGpoYkZXY3FrTzhHMDJ4OEMzRHR3RXdDVTJkd0RzeHV0bGpLZk9IMU5jbjE1UzJxS2t3ajRqUHpSMHh0SHd5TGxuZzdJdmtF?oc=5) · Lehigh Valley Business
- 2023-03-13 [How Pennsylvania banks compare to Silicon Valley Bank - CBS News](https://news.google.com/rss/articles/CBMimgFBVV95cUxOTG5yd1FiWndKMkVmaGpJc1luM2Y3a3I1THhLR1lHak5aLUxpSkVKNGdWWkVNdE1WVnQ5THZWWElEWWtrMTJvWnRXdXo3ZVR5SllzTGp0ZzJVRzFLcEpYbFhQcGJlakYtY1FmWE5tczJmRW9PRUhSS09zaWdNVTJucFBZeDdiU21fRDYzV3ZNUTVjdXRUTlRObG130gGfAUFVX3lxTE5tVDF0YVgtQmJJSG5qWHAtNk9MR191VnpSRHNuYlgydWw4MmtVNlNRTTE1VmJEc2h5aFRCUWRGTGNUUHl4R2lkU3hZdjYwT0NWLVJidlhxdF9jeWZxS2k4VnBzMU5LNDJZVDZTY1hIMmpLdnZSdDBBb3B0R2xCSVRCMERLQTR4cDc4WXdqRkNGWW10eGZXbEhtVkFkWXNZbw?oc=5) · CBS News
- 2026-04-23 [Citizens Bank Data Breach: Edelson Lechtzin LLP Launches Investigation Into Exposure of Personal Information - themalaysianreserve.com](https://news.google.com/rss/articles/CBMi5gFBVV95cUxPMDBuV05UeHNDdi1UaE5va3lnN20tV280ODc2Wm4zakdUOUJMMzBKRnV2dHlfTHFQelZYSkI4MFBUSXJ0VnVoOXNpb21oYVE5aXdvd3ktTWdRRkFSVWNrakNjTEdueld0elB0a0gyZi1RU3pfSHlSWWhhNDV3ZTBxT3RRVjdOcS10eldwV25zVzIxRS16LXJlMmtUUlZRNnRZTV9LZ09qUGcyR3dGTW1uNWFrYVIwM0h0Z0FKTnZLSWU2M1pkR0wwbG9NTTIzZEtGZmMta1QyTl8yWGFDSklLV2I1MWVPdw?oc=5) · themalaysianreserve.com
- 2022-02-07 [This American Bank Is Closing The Most Branches - 24/7 Wall St.](https://news.google.com/rss/articles/CBMinwFBVV95cUxOMTFXaFVBOVZCbERUOWV6b0NGc0RpZXRUT0tWRnZRT2haU2lDVWF2NUUtQlYyUXRPcVRnbXBacU9hSEFmMURRS0hMeGFWbDlUdEVtU0owVGp6QXItTVRaQ3FVT1VLLTNOTU9xT2h5eUlVMF9oQ2h2TU1kVmg1LW9QcW8zU2RpcHF5WmkxWGlBZGZtUHI5dHRwQlZEWG1rWFU?oc=5) · 24/7 Wall St.
- 2025-07-11 [The 20 top-performing banks with $2B to $10B of assets - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxPS0NEYTZFeXRleUhoXzViMmtzQVBWX2xhVVI3aXQwT2N4c056SGF0dzBKbG9uWjlPTXRBcEFNT19XN1JDQmZFZ2ZZLWd1cjVqNEJYOXhuQkJJVzBuY1RubG9HRy10M1o1N0M5THY4REtaaW40WVBQWHJfS2dfNHJFdFVwajVROVVKSEtWQ0YxS0Rjd2tZU2JF?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34422 (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/54.json (key "34422", 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