Checked
American Bank
Bozeman, MT · State-chartered bank (not a Fed member) · Part of Guaranty Development Co
- Total assets
- $630.4M
- Q2 2026
- Deposits
- $564M
- Net income
- $4.26M
- first half of 2026
- Return on assets
- 1.37%
- Annualized
Bank details
As reported to the FDIC
- FDIC certificate
- 20311
- Main office
- Bozeman, MT
- Holding company
- Guaranty Development Co
- Charter
- State-chartered bank (not a Fed member)
- Primary federal regulator
- Federal Deposit Insurance Corporation (FDIC)
- Established
- 07/27/1970
- FDIC insured since
- 11/25/1970
- U.S. offices
- 6
- Employees (full-time equivalent)
- 78
- Specialty
- Commercial Lending Specialization
- Website
- www.americanbankmontana.com
Quarterly financials
From the bank's Call Reports. Income figures are year to date; ratios are annualized.
| Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $630.4M | $608.5M | $628.8M | $626.9M | $631.5M | $663.9M | $653.4M | $619.7M |
| Deposits | $564M | $543.3M | $563.6M | $558.5M | $562.8M | $592M | $584.4M | $552.5M |
| Net loans and leases | $389.9M | $380.2M | $385.5M | $402.8M | $403.7M | $401.9M | $394.9M | $394.2M |
| Securities | $125.3M | $127.1M | $128.9M | $130.2M | $131.9M | $141.1M | $147.7M | $160.7M |
| Equity capital | $59.26M | $58.54M | $57.9M | $55.5M | $50.99M | $49.16M | $45.79M | $48.6M |
| Net income (year to date) | $4.26M | $2.11M | $10.53M | $7.43M | $4.15M | $1.91M | $7.82M | $5.34M |
| Return on assets | 1.37% | 1.37% | 1.64% | 1.54% | 1.28% | 1.16% | 1.25% | 1.15% |
| Return on equity | 14.56% | 14.52% | 20.31% | 19.66% | 17.08% | 16.13% | 17.86% | 16.46% |
| Net interest margin | 4.11% | 4.06% | 4.04% | 3.97% | 3.67% | 3.49% | 3.69% | 3.71% |
| Efficiency ratio | 66.0% | 65.9% | 59.5% | 61.0% | 64.9% | 66.6% | 66.5% | 68.9% |
| Noncurrent loans | 0.00% | 0.00% | 0.00% | 0.00% | 1.27% | 1.28% | 1.28% | 0.01% |
| Net charge-off rate | 0.00% | -0.01% | -0.02% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% |
| Leverage (core capital) ratio | 11.12% | 10.91% | 10.33% | 10.32% | 9.97% | 9.49% | 9.47% | 9.59% |
| Total risk-based capital ratio | 16.61% | 16.80% | 16.60% | 15.64% | 15.11% | 14.96% | 14.88% | 14.59% |
Assets fell 0.2% from Q2 2025.
Loan mix
Share of gross loans, Q2 2026
- Real estate loans$293.4M75.3%
- Commercial and industrial loans$96.61M24.8%
- Consumer loans$608K0.2%
Find bank branches in Montana · Employees: 78
Frequently asked questions
- What is American Bank's FDIC certificate number?
- American Bank's FDIC certificate number is 20311.
- How big is American Bank?
- American Bank reported total assets of $630.4M and deposits of $564M as of Q2 2026.
- Is American Bank FDIC insured?
- Yes. American Bank has been insured by the FDIC since 11/25/1970. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
Source: Federal Deposit Insurance Corporation, BankFind Suite (Call Report data) · Last updated 06/30/2026