Fees from its schedule are under review and appear here once review is done.
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Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
42nd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Apr 21, 2026
Call-report figures are for American Bank and Trust Company, National Association at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | American Bank and Trust Company, National Association's published fee schedule; Bank Fee Index medians | Current schedule | Apr 21, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.8% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (42nd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $89K in Q2 2026, 3.3% below the same quarter a year earlier ($92K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for American Bank and Trust Company, National Association (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $89K | −$12K | −11.9% |
| Q1 2026 | $101K | +$4K | +4.1% |
| Q4 2025 | $97K | −$4K | −4.0% |
| Q3 2025 | $101K | +$9K | +9.8% |
| Q2 2025 | $92K | −$2K | −2.1% |
| Q1 2025 | $94K | $0 | 0.0% |
| Q4 2024 | $94K | $0 | 0.0% |
| Q3 2024 | $94K | −$2K | −2.1% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, American Bank and Trust Company, National Association left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to American Bank and Trust Company, National Association by share.
They stay out of every comparison until review is done.
varies · Service fee as a result of use of the service and/or bill payment
per item · Charged as a result of use of the service and/or bill payment
varies · If customer desires to receive required account disclosure or account statement in paper form, bank reserves the right to charge in accordance with published fee schedule
per item
varies · Service fee as a result of use of the service and/or bill payment
varies · As a result of use of the service and/or bill payment
| Fee | Amount | Basis | Note |
|---|---|---|---|
Digital & ElectronicUnder review | |||
| Payments returned due to customer error (audience not stated, treated as personal) | $10 | per item | None |
| Bill Pay & Zelle (audience not stated, treated as personal) | $30 | Not stated | None |
| Bill Pay & Zelle (audience not stated, treated as personal) | $1 | Not stated | None |
Other feesUnder review | |||
| (d) Bill payment limits: The minimum bill payment amount is (audience not stated, treated as personal) | $1 | Not stated | None |
| Correspondence Fees (audience not stated, treated as personal) | Not stated | varies | Service fee as a result of use of the service and/or bill payment |
| Fee to send a rush bill payment is (audience not stated, treated as personal) | $30 | Not stated | None |
| Non-Sufficient Funds Fees (audience not stated, treated as personal) | Not stated | per item | Charged as a result of use of the service and/or bill payment |
| Paper Statement Fee (audience not stated, treated as personal) | Not stated | varies | If customer desires to receive required account disclosure or account statement in paper form, bank reserves the right to charge in accordance with published fee schedule |
| payment (audience not stated, treated as personal) | $30 | Not stated | None |
| payment is (audience not stated, treated as personal) | $30 | Not stated | None |
| Payments returned due to customer error (audience not stated, treated as personal) | $10 | per item | None |
| Research Fees (audience not stated, treated as personal) | Not stated | varies | Service fee as a result of use of the service and/or bill payment |
| Service Charges (audience not stated, treated as personal) | Not stated | varies | As a result of use of the service and/or bill payment |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Apr 21, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where American Bank and Trust Company, National Association operates, and what regulators and customers have on file.
Branch footprint
6 offices in 2 states, $387.8M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 5 | $345.2M | |
| 1 | $42.5M |
Davenport-Moline-Rock Island, IA-IL
3.3% of bank deposits, #9 of 29, down 0.3 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Quad City Bank and Trust Company | 22.7% |
| Blackhawk Bank & Trust | 15.2% |
| Wells Fargo Bank, National Association | 9.7% |
| U.S. Bank National Association | 6.5% |
| BankOrion | 5.5% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Davenport-Moline-Rock Island, IA-IL, American Bank and Trust Company, National Association holds 3.3% of bank deposits, #9 of 29, with 5 offices.
175 offices of 42 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 29 institutions shown. $10.5B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 3.3% share, 5 offices, #9 of 29
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
54 offices of 13 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
2 past actions
Past
Federal Reserve, against the holding company, Ambank Holdings, Inc.. Ended December 27, 2017 · Order
OCC. Ended March 24, 2014
Source: public enforcement action lists from the OCC and Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows