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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

5.06%Q4 ’235.21%Q4 ’245.36%Q4 ’25+0%+5%

Non-interest income vs. expense

2.99%Q4 ’232.93%Q4 ’247.56%Q4 ’25-74%+1092%

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 -6.93%, down 930 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 0.24% of loans (-11 bps YoY), with net charge-offs at 0.09%.
  • 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 (quarter, annualized)

-6.93%-930 bps YoY

Net Interest Margin (quarter, annualized)

3.88%+17 bps YoY

Efficiency Ratio (quarter, annualized)

191.80%+14,341 bps YoY

Tier 1 Leverage Ratio

7.12%-297 bps YoY

Discrete quarter, annualized.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets2.38%0.88%0.81%1.12%-6.93%-930 bps
Return on Equity24.49%9.18%8.69%11.73%-76.05%-10,054 bps
Net Interest Margin3.71%3.71%3.84%3.96%3.88%+17 bps
Efficiency Ratio48.39%68.45%71.51%65.15%191.80%+14,341 bps
Non-Interest Burden0.63%2.33%2.56%2.33%7.46%+683 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 / Loans0.15%0.11%0.15%0.10%0.09%-7 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