American Bank, National Association
Dallas, TX · Cert 21567 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28) · Bright Force Holding Inc.
National charter · OCC · 3 branches
Q2 2026
$773.8MAssets
$561.5MLoans
$659.8MDeposits
$79.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 1 of 28).
- Widest gap: net charge-offs / loans trails 93% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 27 of 28).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.70%
Rank 5 of 28
Net Interest Margin
4.62%
Rank 5 of 28
Efficiency Ratio
33.64%
Rank 1 of 28
Equity / Assets
10.26%
Rank 17 of 28
Non-interest income vs. expense
Unfavorable gap of $9.8M · efficiency ratio beats 100% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.70% | 1.12% | 1.22% | 1.47% | Beats 82% | 5 / 28 | |
| Return on Equity | 16.61% | 8.64% | 12.47% | 13.41% | Beats 89% | 3 / 28 | |
| Net Interest Margin | 4.62% | 3.77% | 4.06% | 4.51% | Beats 82% | 5 / 28 | |
| Efficiency Ratio | 33.64% | 57.39% | 61.94% | 66.78% | Beats 100% | 1 / 28 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.28% | n/a | 0.28% | 1.06% | Beats 50% | 15 / 28 | |
| Net Charge-Offs / Loans | 0.64% | 0.00% | 0.01% | 0.20% | Beats 7% | 27 / 28 | |
| Capital |
| Tier 1 Capital Ratio | 10.75% | 12.55% | 13.77% | 17.51% | Beats 21% | 22 / 28 | |
| Total Risk-Based Capital Ratio | 10.75% | 12.59% | 14.62% | 18.18% | Beats 21% | 22 / 28 | |
| Equity / Assets | 10.26% | 9.58% | 11.17% | 13.58% | Beats 39% | 17 / 28 | |
| Liquidity & Funding |
| Loans / Deposits | 85.09% | 66.90% | 84.79% | 89.14% | 57th pctl | 12 / 28 | |
| Loans / Assets | 72.55% | 57.58% | 73.59% | 77.32% | 46th pctl | 15 / 28 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |