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American Bank, National Association

Corpus Christi, TX · Cert 20241

FDIC · 18 branches

Q4 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=293). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

7

Q2 2024Q4 2025peer median (50)

Asset Quality

72

Q2 2024Q4 2025peer median (50)

Profitability

27

Q2 2024Q4 2025peer median (50)

Liquidity

91

Q2 2024Q4 2025peer median

Efficiency

1

Q2 2024Q4 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

American Bank, National Association

Corpus Christi, TX · Cert 20241

FDIC · 18 branches

Q4 2025

$2.5BAssets
$1.9BLoans
$2.3BDeposits
$211.2MEquity
Loan mix
71%RE $1.3B28%C&I $0.5B1%Consumer $0.0BQ4 2024Q4 2025
Deposit mix
73%Interest-bearing $1.7B27%Noninterest $0.6BQ4 2024Q4 2025

NIM

4.75%Q4 ’235.10%Q4 ’245.19%Q4 ’25-6%+7%

Non-interest income vs. expense

2.92%Q4 ’232.91%Q4 ’244.16%Q4 ’25-17%+92%

Market Position · Corpus Christi, TX · 2025 SOD (annual) · 17.4% share · #2 of 17 inst. · $1.4B of $8.0B

20.0% Nueces
0.3% Bexar
0.3% Travis
4.5% Victoria

Executive Summary

  • Earnings: ROA of -0.84%, down 203 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 0.24% of loans (-11 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 7.12%, down 297 bps from a year ago.
  • Funding: loans stand at 84.02% of deposits as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

-0.84%-203 bps YoY

Net Interest Margin (YTD, annualized)

3.79%+25 bps YoY

Efficiency Ratio (YTD, annualized)

96.77%+3,301 bps YoY

Tier 1 Leverage Ratio

7.12%-297 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets1.19%0.88%0.84%0.94%-0.84%-203 bps
Return on Equity12.80%9.18%8.89%9.80%-8.99%-2,179 bps
Net Interest Margin3.54%3.71%3.75%3.78%3.79%+25 bps
Efficiency Ratio63.76%68.45%70.01%68.30%96.77%+3,301 bps
Non-Interest Burden1.89%2.33%2.43%2.37%3.63%+174 bps
Growth
Asset Growth (YoY)2.47%1.65%1.28%2.55%-0.77%-324 bps
Loan Growth (YoY)0.73%2.76%7.11%12.08%10.68%+994 bps
Deposit Growth (YoY)6.25%5.77%1.17%2.87%0.56%-569 bps
Asset Quality
Nonperforming Loans / Loans0.34%0.29%0.27%0.27%0.24%-11 bps
Net Charge-Offs / Loans0.14%0.11%0.13%0.11%0.11%-3 bps
Allowance / Loans1.05%1.05%1.06%1.05%1.05%0 bps
Allowance Coverage of NPLs3.1x3.6x4.0x3.9x4.4x+1.4x
Capital
Tier 1 Leverage Ratio10.10%9.64%9.56%9.58%7.12%-297 bps
Total Risk-Based Capital14.64%13.51%13.20%12.61%9.85%-479 bps
Equity / Assets9.75%9.36%9.36%9.77%8.43%-133 bps
Liquidity & Funding
Loans / Deposits76.34%77.35%78.56%81.23%84.02%+768 bps
Liquid Assets / Assets9.03%8.01%7.52%5.91%8.65%-38 bps
CRE / Total Capitaln/an/an/a410%555%n/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

American Bank, National Association

Corpus Christi, TX · Cert 20241 · Peer group: banks $1B-$10B in assets operating in a single state (n=293)

FDIC · 18 branches

Q4 2025

$2.5BAssets
$1.9BLoans
$2.3BDeposits
$211.2MEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 100% of banks $1B-$10B in assets operating in a single state (rank 106 of 293).
  • Widest gap: return on equity trails 100% of banks $1B-$10B in assets operating in a single state (rank 292 of 293).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

-0.85%

Rank 291 of 293

Net Interest Margin

3.79%

Rank 59 of 293

Efficiency Ratio

97.94%

Rank 290 of 293

Equity / Assets

8.43%

Rank 252 of 293

Non-interest income vs. expense

$13.7M$108.9MINCOMEEXPENSE
Unfavorable gap of $95.2M · efficiency ratio beats 1% of banks $1B-$10B in assets operating in a single state
Bank 97.94%Peer median 62.4%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.85%0.78%1.08%1.37%Beats 1%291 / 293
Return on Equity-10.08%7.54%10.71%13.42%Beats 0%292 / 293
Net Interest Margin3.79%2.90%3.26%3.64%Beats 80%59 / 293
Efficiency Ratio97.94%53.70%62.37%70.86%Beats 1%290 / 293
Asset Quality
Nonperforming Loans / Loans0.24%0.20%0.45%0.94%Beats 72%82 / 293
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio8.78%11.58%13.17%15.13%Beats 1%291 / 293
Total Risk-Based Capital Ratio9.85%12.40%14.02%16.17%Beats 5%277 / 293
Equity / Assets8.43%9.03%10.09%11.77%Beats 14%252 / 293
Liquidity & Funding
Loans / Deposits84.02%73.95%86.02%95.31%42nd pctl170 / 293
Loans / Assets76.16%63.41%72.88%78.58%63rd pctl108 / 293
Brokered Deposits / Deposits0.00%n/a1.43%7.87%Beats 100%106 / 293