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 02, 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 $ 1,845.61 million
Loans $ 1,403.54 million
Deposits $ 1,630.75 million
Capital $ 157.29 million

Summary Balance Sheet as of September 30, 2024

ASSETS
Cash & Balances due from depository institutions $ 111.79 million
Interest-bearing balances $ 76.74 million
Total securities $ 233.20 million
Federal funds sold and reverse repurchase $ 0.24 million
Net loans and leases $ 1,403.54 million
Loan loss allowance $ 14.25 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 12.38 million
All other assets $ 42.88 million
     Total Assets $ 1,688.32 million

LIABILITIES
Total deposits $ 1,630.75 million
      Interest-bearing deposits $ 1,397.82 million
      Deposits held in domestic offices $ 1,630.75 million
      % insured (estimated)" 60.52%
Federal funds purchased and repurchase agreements $ 11.54 million
Trading liabilities N.A.
Other borrowed funds $ 22.90 million
Subordinated debt N.A.
All other liabilities $ 8.27 millionn
      Total Liabilities $ 1,688.32 million
      Shareholders’ Equity $ 157.29 million

Summary Income Statement as of September 30, 2024

INCOME AND EXPENSES
Total Interest Income $ 74.46 million
Total Interest Expense $ 31.52 million
Net interest income $ 42.95 million
Provision for loan and lease losses $ 1.31 million
Total non interest income $ 8.34 million
Total non interest expense $ 30.88 million
Pre-tax Net Operating Income $ 10.22 million

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Branches

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American Bank & Trust Locations