American Bank & Trust
Sioux Falls, SD
IDRSSD: 275358
Total Assets
$2.15B
Latest filing
Total Deposits
$1.87B
Latest filing
Net Interest Margin
4.01%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
091407175SIOUX FALLS, SD
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
American Bank & Trust
6810 S Minnesota Ave
Sioux Falls, SD 57108
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1892FDIC Certificate 760
Branches (19)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| American Bank & Trust (Main) | 6810 S Minnesota Ave | Sioux Falls, SD |
| IROQUOIS BRANCH | 201 S Ottowa St | Iroquois, SD |
| PIERRE BR | 700 E Sioux Ave | Pierre, SD |
| WOLSEY BRANCH | 265 Commercial Ave Sw | Wolsey, SD |
| HURON BRANCH | 1820 Dakota Ave S | Huron, SD |
| STICKNEY BR | 221 Main St | Stickney, SD |
| DE SMET BRANCH | 212 Calumet Ave Se | De Smet, SD |
| SIOUX FALLS 41ST & SYCAMORE BRANCH | 3405 S Sycamore Ave | Sioux Falls, SD |
Showing 7 of 19
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1892 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 57108 |
| State and County Number | 46083 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Sioux Falls, SD |
Operational Info
| Number of Employees | 207 |
| Domestic Offices | 20 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.abt.bank |
| Data Updated | 01/30/2026 |
| CERT | 1117 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.15B |
| Total Deposits | $1.87B |
| Total Liabilities | $1.92B |
| Total Equity Capital | $227.95M |
| Net Income | $7.93M |
| Net Loans and Leases | $1.53B |
| Assets Per Employee ($Millions) | $10.28M |
| Bank Premises and Fixed Assets | $30.25M |
| Cash and Balances due from Depository Institutions | $218.04M |
| Deposits Held in Domestic Offices | $1.87B |
Key Performance Ratios
| Return on Assets (ROA) | 1.52% |
| Return on Equity (ROE) | 14.16% |
| Net Interest Margin | 4.01% |
| Efficiency Ratio | 48.29% |
| Tier 1 Risk-Based Capital Ratio | 14.664% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.3% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.614% |
| Earning Assets to total Assets | 93.76% |
Income and Expense
| Total Interest Income | $29.87M |
| Total Noninterest Income | $3.64M |
| Total Interest Expense | $10.32M |
| Total Noninterest Expense | $11.34M |
| Net Interest Income | $19.55M |
| Pre-tax Net Operating Income | $10.29M |
| Provision for Credit Losses | $1.55M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $15.96M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.99M |
| Federal Funds Purchased and Repurchased Agreement | $10.55M |
| All Other Liabilities | $25.06M |
| Total Liabilities and Capital | $2.15B |
Securities
| Securities | $292.31M |
| Available-for-sale debt securities | $291.98M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of American Bank & Trust?
$2.15B as of the latest filing.
How much are American Bank & Trust's total deposits?
$1.87B in total deposits.
Where is American Bank & Trust located?
Sioux Falls, SD.
What is the Net Interest Margin?
4.01%.
How many domestic offices does it operate?
20.
When was it established?
01/01/1892.
What is the Return on Assets (ROA)?
1.52%.
How much are total loans and leases?
$1.53B (latest filing).
What is the total interest income (latest filing)?
$29.87M.