American Bank & Trust

Headquarters: Sioux Falls, South Dakota
Charter: Bank
Assets: $2.2B
Fed district: Minneapolis
Regulator: FDIC
Holding company: Leackco Bank Holding Co Inc.

1 published fee; none has a market median to compare yet.

Source: its fee schedule, read Oct 9, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 9, 2026

How these figures are measured

Call-report figures are for American Bank & Trust 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	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	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 & Trust's published fee schedule; Bank Fee Index medians	Current schedule	Oct 9, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: American Bank & Trust (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $371K in Q2 2026, 21% above the same quarter a year earlier ($307K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

IRA Termination
American Bank & Trust: $50
American Bank & Trust: $50
U.S. median: no median
Monthly Maintenance
American Bank & Trust: Not identified
American Bank & Trust: Not identified
U.S. median: no median
Non-Network ATM
American Bank & Trust: Not identified
American Bank & Trust: Not identified
U.S. median: no median

Fee not identified in the reviewed schedule. A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 2026View sources

Each amount links to the fee schedule it was read from. Medians for South Dakota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
South Dakota: Banks and credit unions headquartered in South Dakota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 1.1% from Q3 2025 to Q2 2026, to $371K.

Service-charge income, Q2 2026

$371K

$375KQ3 2025

$360KQ4 2025

$344KQ1 2026

$371KQ2 2026

Against the median

American Bank & TrustMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

American Bank & Trust · $2.2B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Banks only
$2.2B to $2.3B in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
American Bank & Trust(this institution)	Sioux Falls, SD	$2.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank Iowa	West Des Moines, IA	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cashmere Valley Bank	Cashmere, WA	$2.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Citizens National Bank of Texas	Waxahachie, TX	$2.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Colorado Federal Savings Bank	Greenwood Village, CO	$2.3B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Country Bank for Savings	Ware, MA	$2.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Crews Bank & Trust	Wauchula, FL	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers and Merchants Trust Company of Chambersburg	Chambersburg, PA	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Bank Chicago	Highland Park, IL	$2.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Bank of the Lake	Osage Beach, MO	$2.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Kennebunk Savings Bank	Kennebunk, ME	$2.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Luana Savings Bank	Luana, IA	$2.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Norway Savings Bank	Norway, ME	$2.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Parke Bank	Sewell, NJ	$2.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Pioneer Bank, National Association	Albany, NY	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Queensborough National Bank & Trust Company	Louisville, GA	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Regent Bank	Tulsa, OK	$2.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Security First Bank	Lincoln, NE	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Shinhan Bank America	New York, NY	$2.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
South Central Bank, Inc.	Glasgow, KY	$2.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Texas First Bank	Texas City, TX	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Bank of Commerce	Ammon, ID	$2.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Bank of Princeton	Princeton, NJ	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
The First National Bank of Fort Smith	Fort Smith, AR	$2.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Think Mutual Bank	Rochester, MN	$2.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Bank	Zebulon, GA	$2.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 18 publish this fee(monthly maintenance)

7 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

American Bank & Trust does not publish a monthly maintenance fee in the index.

The peer median is $10 among 18 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

American Bank & Trust does not publish a monthly maintenance fee, so it is not on this chart.

American Bank & TrustPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for American Bank & Trust (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $371K
vs prior quarter: +$27K+7.8%; from Q1 2026
vs a year earlier: +$64K+20.8%; from Q2 2025
vs start of range: +$45K+13.8%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: American Bank & Trust (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$371K	+$27K	+7.8%
Q1 2026	$344K	−$16K	−4.4%
Q4 2025	$360K	−$15K	−4.0%
Q3 2025	$375K	+$68K	+22.1%
Q2 2025	$307K	+$5K	+1.7%
Q1 2025	$302K	−$43K	−12.5%
Q4 2024	$345K	+$19K	+5.8%
Q3 2024	$326K	+$41K	+14.4%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from American Bank & Trust’s own schedules, with a source for each figure.

Retirement & IRA

IRA Transfer External Fee$50
per item

Fee	Amount	Basis	Note
Retirement & IRA
IRA Transfer External Fee	$50	per item	None

Account Maintenance

Dormant Account Charge$10
Account Research/Reconcile$50
Undeliverable Mail$5
per month

Overdraft & NSF

Overdraft Charge$35
per item
Return Check Charge$35
per item
Returned ACH$5
Continuous Overdraft Charge$25

ATM & Card

Use at Out of Network Machine$2
Re-issue Card$10

Wire Transfers

Outgoing Domestic Wire Transfer$30
Outgoing Wire$25
Outgoing International Wire Transfer$50

Check Services

Bank Money Order$7
Stop Payment Request$35
Collection Charge$20

Digital & Electronic

AB&T Bill PayNo charge
per month · Free - Expedited delivery fees may apply
AB&T Bill Pay +PLUS$10
per month
AB&T Mobile Deposit +PLUSNo charge
Not compared: Monthly charge, not per item
per month · Free
Safe Deposit Drilling (lost key)No charge

Cash & Deposit

Returned Deposit Items$5
per item

Account Services

Notary Stamp$5
Safe Deposit Box FeeNo charge
Levy and Garnishment Fee$50

Other Fees

Statement Printout Request$1
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Charge	$10	Not stated	None
Account Research/Reconcile	$50	Not stated	None
Undeliverable Mail	$5	per month	None
Overdraft & NSF
Overdraft Charge	$35	per item	None
Return Check Charge	$35	per item	None
Returned ACH	$5	Not stated	None
Continuous Overdraft Charge	$25	Not stated	None
ATM & Card
Use at Out of Network Machine	$2	Not stated	None
Re-issue Card	$10	Not stated	None
Wire Transfers
Outgoing Domestic Wire Transfer	$30	Not stated	None
Outgoing Wire	$25	Not stated	None
Outgoing International Wire Transfer	$50	Not stated	None
Check Services
Bank Money Order	$7	Not stated	None
Stop Payment Request	$35	Not stated	None
Collection Charge	$20	Not stated	None
Digital & Electronic
AB&T Bill Pay	No charge	per month	Free - Expedited delivery fees may apply
AB&T Bill Pay +PLUS	$10	per month	None
AB&T Mobile Deposit +PLUS	No chargeNot compared: Monthly charge, not per item	per month	Free
Safe Deposit Drilling (lost key)	No charge	Not stated	None
Cash & Deposit
Returned Deposit Items	$5	per item	None
Account Services
Notary Stamp	$5	Not stated	None
Safe Deposit Box Fee	No charge	Not stated	None
Levy and Garnishment Fee	$50	Not stated	None
Other Fees
Statement Printout Request	$1Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 9, 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.

Fee change alerts

Get an email when American Bank & Trust's monthly maintenance changes in our data

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