🏦Bank Scorer

AMERICAN BANK & TRUST

SIOUX FALLS, SD · Supervised by FDIC

Est. 1892FDIC #1,117RSSD: FDIC-1117
Part ofLEACKCO BANK HOLDING CO INC→ View all charters
Satisfactory Same

Current rating · Exam: April 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.23%

Institution Profile

FDIC BankFind

Address

6810 S Minnesota Ave, SIOUX FALLS, SD

County

Lincoln County

Established

January 1, 1892

Total Assets

$2.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Apr 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.2B

Total Deposits

$2.0B

Net Loans

$1.5B

Net Income

$7M

ROA

1.23%

ROE

11.52%

Risk-Based Capital

16.37%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate14.58%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

20

Branch Deposits

$1.7B

1-Year Change

+1

5-year net change: +7 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202462463.3%14.58%
202350678.26%6.13%
202277676.29%4.12%
202182984.56%3.86%
202092085.98%5.00%
201943884.25%4.79%
201829484.01%2.72%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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