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American National Bank of Texas, The

Terrell, TX · Cert 23474 · A N B Holding Co. Ltd.

National charter · OCC · 28 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

13

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

76

Q2 2024Q2 2026peer median

Efficiency

25

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

American National Bank of Texas, The

Terrell, TX · Cert 23474 · A N B Holding Co. Ltd.

National charter · OCC · 28 branches

Q2 2026

$5.5BAssets
$3.4BLoans
$4.6BDeposits
$328.2MEquity
Loan mix
91%RE $2.9B8%C&I $0.3B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
63%Interest-bearing $2.9B37%Noninterest $1.7BQ2 2025Q2 2026

NIM

4.12%Q2 ’244.07%Q2 ’254.20%Q2 ’26+6%+14%

Non-interest income vs. expense

2.17%Q2 ’242.29%Q2 ’252.49%Q2 ’26+7%+8%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.6% share · #18 of 166 inst. · $4.4B of $732.8B

46.3% Kaufman
2.1% Collin
23.9% Rockwall
0.2% Dallas

Executive Summary

  • Earnings: ROA of 0.63%, up 12 bps year over year; NIM at 2.75%.
  • Asset quality: problem loans at 0.23% of loans (+12 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 8.84%, up 14 bps from a year ago.
  • Funding: loans stand at 73.90% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.63%+12 bps YoY

Net Interest Margin (YTD, annualized)

2.75%+33 bps YoY

Efficiency Ratio (YTD, annualized)

74.79%-310 bps YoY

Tier 1 Leverage Ratio

8.84%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.51%0.39%0.40%0.59%0.63%+12 bps
Return on Equity10.66%7.82%8.13%11.17%11.51%+86 bps
Net Interest Margin2.42%2.43%2.47%2.71%2.75%+33 bps
Efficiency Ratio77.89%78.03%77.53%75.13%74.79%-310 bps
Non-Interest Burden1.76%1.77%1.78%1.89%1.90%+14 bps
Growth
Asset Growth (YoY)0.82%-1.76%24.78%0.50%0.00%-81 bps
Loan Growth (YoY)5.93%7.83%5.57%5.73%4.78%-115 bps
Deposit Growth (YoY)5.05%1.73%24.46%-0.95%-2.25%-730 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.09%0.17%0.25%0.23%+12 bps
Net Charge-Offs / Loans0.04%0.03%0.03%0.03%0.03%-1 bps
Allowance / Loans1.19%1.18%1.23%1.25%1.26%+7 bps
Allowance Coverage of NPLs10.5x13.1x7.1x5.0x5.4x-5.1x
Capital
Tier 1 Leverage Ratio8.70%8.76%8.60%8.61%8.84%+14 bps
Total Risk-Based Capital13.54%13.36%13.13%13.36%13.55%+1 bps
Equity / Assets5.16%5.81%4.69%5.91%5.96%+80 bps
Liquidity & Funding
Loans / Deposits68.94%69.71%51.14%71.35%73.90%+496 bps
Liquid Assets / Assets1.89%1.89%15.98%1.62%1.31%-59 bps
CRE / Total Capitaln/a416%414%420%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

American National Bank of Texas, The

Terrell, TX · Cert 23474 · Peer group: banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20) · A N B Holding Co. Ltd.

National charter · OCC · 28 branches

Q2 2026

$5.5BAssets
$3.4BLoans
$4.6BDeposits
$328.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 70% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 7 of 20).
  • Widest gap: equity / assets trails 100% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 20 of 20).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.68%

Rank 15 of 20

Net Interest Margin

2.75%

Rank 16 of 20

Efficiency Ratio

74.79%

Rank 16 of 20

Equity / Assets

5.96%

Rank 20 of 20

Non-interest income vs. expense

$33.7M$142.7MINCOMEEXPENSE
Unfavorable gap of $109.0M · efficiency ratio beats 25% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 74.79%Peer median 65.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.68%0.68%1.15%1.86%Beats 25%15 / 20
Return on Equity11.45%7.45%10.95%14.25%Beats 55%9 / 20
Net Interest Margin2.75%2.87%3.58%4.28%Beats 20%16 / 20
Efficiency Ratio74.79%52.33%65.48%74.79%Beats 25%16 / 20
Asset Quality
Nonperforming Loans / Loans0.23%0.18%0.42%1.54%Beats 70%7 / 20
Net Charge-Offs / Loans0.02%0.00%0.02%0.14%Beats 55%10 / 20
Capital
Tier 1 Capital Ratio12.30%13.35%15.71%17.39%Beats 20%16 / 20
Total Risk-Based Capital Ratio13.55%14.55%16.02%18.64%Beats 20%16 / 20
Equity / Assets5.96%9.74%11.64%13.21%Beats 0%20 / 20
Liquidity & Funding
Loans / Deposits73.90%72.63%81.14%96.60%35th pctl13 / 20
Loans / Assets61.77%60.26%69.54%79.68%35th pctl13 / 20
Brokered Deposits / Depositsn/aNot reported for this institution