Compared with the U.S.
1 of 1
compared fees are above the median.
0 below, 0 about the same.
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
35th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
of 1 compared; 0 below, 0 about the same
See the feesFee schedule read Oct 9, 2026
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 | 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 869 banks with $1B to $10B 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 & 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
Service charges were 1.6% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (35th 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 $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.
1 of 1 compared published fees sit above the U.S. median; 0 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with U.S. medians for fees published by banks and credit unions.
IRA Termination
Monthly Maintenance
Non-Network ATM
Fee not identified in the reviewed schedule. A blank median means fewer than 5 publish the fee.
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.
Service-charge income fell 1.1% from Q3 2025 to Q2 2026, to $371K. Its share of revenue, 1.6%, is below the 2.2% median for banks with $1B to $10B in assets.
$371K
American Bank & TrustMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
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.
| 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.
Peer pricing snapshot
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.
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.
Call reports for American Bank & Trust (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 | $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% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, American Bank & Trust 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 & Trust by share.
Amounts from American Bank & Trust’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Retirement & IRA | |||
| IRA Transfer External Fee | $50Above the U.S. middle 50% ($25 to $35 nationally) | per item | None |
per item
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 |
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.
Where American Bank & Trust operates, and what regulators and customers have on file.
Branch footprint
20 offices in 3 states, $2.0B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 14 | $1.5B |
| 6 | $460.2M |
Sioux Falls, SD-MN
0% of bank deposits, #12 of 42, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| Citibank, National Association | 56.5% |
| Wells Fargo Bank, National Association | 41% |
| The Bancorp Bank, National Association | 0.7% |
| Pathward, National Association | 0.5% |
| First PREMIER Bank | 0.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Sioux Falls, SD-MN, American Bank & Trust holds 0% of bank deposits, #12 of 42, with 6 offices.
159 offices of 47 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 42 institutions shown. $1.1T in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2016 to 2026
June 2026: 0% share, 6 offices, #12 of 42
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2016 to 2026.
Credit unions, reported separately
23 offices of 6 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
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 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
We check once a day and send one email covering every change.