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American Bank, National Association

Dallas, TX · Cert 21567 · Bright Force Holding Inc.

National charter · OCC · 3 branches

Q2 2026

$773.8MAssets
$561.5MLoans
$659.8MDeposits
$79.4MEquity
Loan mix
61%RE $298.1M19%C&I $90.8M21%Consumer $102.0MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $574.6M13%Noninterest $85.2MQ2 2025Q2 2026

NIM

7.83%Q2 ’247.78%Q2 ’257.57%Q2 ’26+2%+0%

Non-interest income vs. expense

2.14%Q2 ’241.75%Q2 ’251.65%Q2 ’26-15%-19%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #63 of 166 inst. · $0.7B of $732.8B

0.2% Dallas
0.3% Collin

Executive Summary

  • Earnings: ROA of 1.80%, up 15 bps year over year; NIM at 4.62%.
  • Asset quality: problem loans at 0.28% of loans (+12 bps YoY), with net charge-offs at 1.17%.
  • Capital: tier 1 leverage ratio of 10.75%, up 15 bps from a year ago.
  • Funding: loans stand at 85.09% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.80%+15 bps YoY

Net Interest Margin (YTD, annualized)

4.62%+1 bps YoY

Efficiency Ratio (YTD, annualized)

33.31%-381 bps YoY

Tier 1 Leverage Ratio

10.75%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.65%1.67%1.64%1.76%1.80%+15 bps
Return on Equity15.51%15.67%15.40%16.72%17.28%+177 bps
Net Interest Margin4.61%4.61%4.51%4.68%4.62%+1 bps
Efficiency Ratio37.12%36.32%35.51%34.52%33.31%-381 bps
Non-Interest Burden1.67%1.62%1.54%1.49%1.35%-32 bps
Growth
Asset Growth (YoY)26.10%18.70%25.61%14.32%20.68%-542 bps
Loan Growth (YoY)27.95%24.59%32.90%23.69%24.41%-354 bps
Deposit Growth (YoY)29.72%21.66%29.99%15.81%23.39%-632 bps
Asset Quality
Nonperforming Loans / Loans0.16%0.14%0.19%0.25%0.28%+12 bps
Net Charge-Offs / Loans0.97%0.97%0.99%1.16%1.17%+20 bps
Allowance / Loans1.36%1.32%1.39%1.33%1.35%0 bps
Allowance Coverage of NPLs8.3x9.2x7.2x5.4x4.8x-3.5x
Capital
Tier 1 Leverage Ratio10.60%10.79%10.61%10.77%10.75%+15 bps
Total Risk-Based Capital10.60%10.79%10.61%10.77%10.75%+15 bps
Equity / Assets10.53%10.82%10.46%10.56%10.26%-28 bps
Liquidity & Funding
Loans / Deposits84.39%89.43%89.10%89.80%85.09%+70 bps
Liquid Assets / Assets20.09%15.14%16.98%15.90%18.41%-168 bps
CRE / Total Capitaln/a360%358%360%n/an/a