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
Unfavorable gap of $95.2M · efficiency ratio beats 1% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer 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 Margin | 3.79% | 2.90% | 3.26% | 3.64% | Beats 80% | 59 / 293 | |
| Efficiency Ratio | 97.94% | 53.70% | 62.37% | 70.86% | Beats 1% | 290 / 293 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.20% | 0.45% | 0.94% | Beats 72% | 82 / 293 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.78% | 11.58% | 13.17% | 15.13% | Beats 1% | 291 / 293 | |
| Total Risk-Based Capital Ratio | 9.85% | 12.40% | 14.02% | 16.17% | Beats 5% | 277 / 293 | |
| Equity / Assets | 8.43% | 9.03% | 10.09% | 11.77% | Beats 14% | 252 / 293 | |
| Liquidity & Funding |
| Loans / Deposits | 84.02% | 73.95% | 86.02% | 95.31% | 42nd pctl | 170 / 293 | |
| Loans / Assets | 76.16% | 63.41% | 72.88% | 78.58% | 63rd pctl | 108 / 293 | |
| Brokered Deposits / Deposits | 0.00% | n/a | 1.43% | 7.87% | Beats 100% | 106 / 293 | |