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American Bank & Trust


American Bank & Trust is an FDIC insured institution headquartered at 6810 S Minnesota Ave, Sioux Falls, SD 57108.
It was founded in 1892 and has approximately $2 billion in assets. Customers can open an account at one of its 12 branches.

Deposit Rates - April 25, 2025

SAVINGS RATES APY MIN
Savings
0.01% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.35% $10,000 Compare
6 Mo CD
0.35% $100,000 Compare
12 Mo CD
0.55% $10,000 Compare
12 Mo CD
0.55% $100,000 Compare
18 Mo CD
0.55% $10,000 Compare
18 Mo CD
0.55% $100,000 Compare
24 Mo CD
0.60% $10,000 Compare
24 Mo CD
0.60% $100,000 Compare
30 Mo CD
0.60% $10,000 Compare
30 Mo CD
0.60% $100,000 Compare
36 Mo CD
0.65% $10,000 Compare
36 Mo CD
0.65% $100,000 Compare
48 Mo CD
0.75% $10,000 Compare
48 Mo CD
0.75% $100,000 Compare
60 Mo CD
0.85% $10,000 Compare
60 Mo CD
0.85% $100,000 Compare
MM RATES APY MIN
Money Market
0.01% $2,500 Compare
Money Market
0.01% $10,000 Compare
Money Market
0.01% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.01% $1
Int Ckg
0.01% $2,500

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 1117
Date Established 1892
Assets $ 1,902.10 million
Loans $ 1,416.20 million
Deposits $ 1,695.49 million
Capital $ 155.72 million

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 136.51 million
Interest-bearing balances $ 109.01 million
Total securities $ 246.55 million
Federal funds sold and reverse repurchase $ 2.18 million
Net loans and leases $ 1,416.20 million
Loan loss allowance $ 14.57 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 12.47 million
All other assets $ 42.88 million
     Total Assets $ 1,746.38 million

LIABILITIES
Total deposits $ 1,695.49 million
      Interest-bearing deposits $ 1,447.65 million
      Deposits held in domestic offices $ 1,695.49 million
      % insured (estimated)" 60.51%
Federal funds purchased and repurchase agreements $ 4.42 million
Trading liabilities N.A.
Other borrowed funds $ 22.90 million
Subordinated debt N.A.
All other liabilities $ 8.27 millionn
      Total Liabilities $ 1,746.38 million
      Shareholders’ Equity $ 155.72 million

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 101.35 million
Total Interest Expense $ 42.98 million
Net interest income $ 58.37 million
Provision for loan and lease losses $ 1.68 million
Total non interest income $ 11.76 million
Total non interest expense $ 41.98 million
Pre-tax Net Operating Income $ 10.22 million

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