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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 75thStandingRank8-Qtr TrendPeer 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