American National Bank of Mount Pleasant, The
Mount Pleasant, TX · Cert 22942 · Peer group: banks under $1B in assets in TX (n=208-211) · Northeast Texas Bancshares Inc.
National charter · OCC · 1 branch
Q2 2026
$144.6MAssets
$93.3MLoans
$130.3MDeposits
$14.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
- Widest gap: equity / assets trails 73% of banks under $1B in assets in TX (rank 153 of 211).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.19%
Rank 107 of 211
Net Interest Margin
4.66%
Rank 26 of 211
Efficiency Ratio
60.84%
Rank 91 of 211
Equity / Assets
9.66%
Rank 153 of 211
Non-interest income vs. expense
Unfavorable gap of $3.8M · efficiency ratio beats 57% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.19% | 0.87% | 1.20% | 1.65% | Beats 49% | 107 / 211 | | |
| Return on Equity | 12.33% | 7.52% | 11.67% | 14.58% | Beats 55% | 94 / 211 | | |
| Net Interest Margin | 4.66% | 3.28% | 3.82% | 4.31% | Beats 88% | 26 / 211 | | |
| Efficiency Ratio | 60.84% | 53.01% | 64.18% | 73.65% | Beats 57% | 91 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.06% | Beats 39% | 128 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 12.82% | 11.72% | 14.45% | 19.57% | Beats 38% | 130 / 211 | | |
| Total Risk-Based Capital Ratio | 12.82% | 11.94% | 14.78% | 20.30% | Beats 38% | 131 / 211 | | |
| Equity / Assets | 9.66% | 9.41% | 11.06% | 12.94% | Beats 27% | 153 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 71.63% | 45.39% | 66.56% | 82.03% | 59th pctl | 86 / 208 | | |
| Loans / Assets | 64.53% | 39.13% | 56.90% | 70.46% | 63rd pctl | 78 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |