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American National Bank

Oakland Park, FL · Cert 26398

FDIC · 1 branch

Q1 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.

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

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=547 to 599). 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

72

Q2 2024Q1 2025peer median (50)

Asset Quality

100

Q2 2024Q1 2025peer median (50)

Profitability

35

Q2 2024Q1 2025peer median (50)

Liquidity

79

Q2 2024Q1 2025peer median

Efficiency

67

Q2 2024Q1 2025peer 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 2026-10-11

American National Bank

Oakland Park, FL · Cert 26398

FDIC · 1 branch

Q1 2025

$452.4MAssets
$317.3MLoans
$387.4MDeposits
$57.0MEquity
Loan mix
84%RE $160.9M13%C&I $25.4M3%Consumer $5.1MQ2 2023Q1 2025
Deposit mix
71%Interest-bearing $274.7M29%Noninterest $112.8MQ2 2023Q1 2025

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2024 SOD (annual) · 0.1% share · #48 of 84 inst. · $0.4B of $329.6B

Executive Summary

  • Earnings: ROA of 0.82%, down 1 bps year over year; NIM at 2.80%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.69%, up 148 bps from a year ago.
  • Funding: loans stand at 81.89% of deposits as of Q1 2025.

Return on Assets (YTD, annualized)

0.82%-1 bps YoY

Net Interest Margin (YTD, annualized)

2.80%-5 bps YoY

Efficiency Ratio (YTD, annualized)

63.70%+390 bps YoY

Tier 1 Leverage Ratio

14.69%+148 bps YoY

NIM

4.28%Q1 ’234.98%Q1 ’244.95%Q1 ’25-19%-2%

Non-interest income vs. expense

1.73%Q1 ’231.80%Q1 ’241.93%Q1 ’25+4%+3%

Year to date, annualized, through each quarter.

MetricQ2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets1.31%1.24%1.17%0.84%0.90%0.98%0.94%0.82%-1 bps
Return on Equity12.25%11.56%10.68%7.33%7.75%8.26%7.78%6.46%-87 bps
Net Interest Margin3.46%3.32%3.18%2.86%2.92%3.00%3.04%2.80%-5 bps
Efficiency Ratio48.04%49.67%51.00%59.80%59.47%57.68%59.77%63.70%+390 bps
Non-Interest Burden1.59%1.54%1.53%1.65%1.67%1.64%1.73%1.70%+6 bps
Growth
Asset Growth (YoY)-16.84%-13.64%-3.70%-1.09%-1.57%-5.01%-6.48%-3.49%-240 bps
Loan Growth (YoY)19.75%14.64%9.38%7.37%8.24%-2.54%-5.10%-6.59%-1,395 bps
Deposit Growth (YoY)-19.79%-16.33%-5.22%-1.53%-2.60%-7.42%-7.87%-5.27%-374 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%1.76%0.15%0.00%0.00%0 bps
Net Charge-Offs / Loans0.17%0.11%0.08%0.00%0.00%0.00%0.16%0.00%0 bps
Allowance / Loans0.76%0.74%0.76%0.78%0.76%0.81%0.67%0.66%-11 bps
Allowance Coverage of NPLsn/an/an/an/a0.4x5.3xn/an/an/a
Capital
Tier 1 Leverage Ratio12.80%13.30%13.38%13.21%13.64%14.25%14.66%14.69%+148 bps
Total Risk-Based Capital16.80%16.30%17.13%16.72%16.88%18.46%18.56%18.32%+160 bps
Equity / Assets11.11%10.91%11.76%11.06%11.96%12.98%12.89%12.59%+153 bps
Liquidity & Funding
Loans / Deposits80.57%82.44%84.19%83.05%89.54%86.78%86.72%81.89%-115 bps
Liquid Assets / Assets1.65%3.13%2.50%2.16%1.75%3.24%1.67%2.19%+3 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/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 2026-10-11

American National Bank

Oakland Park, FL · Cert 26398 · Peer group: banks under $1B in assets (n=547-599)

FDIC · 1 branch

Q1 2025

$452.4MAssets
$317.3MLoans
$387.4MDeposits
$57.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 84 of 547).
  • Widest gap: net interest margin trails 75% of banks under $1B in assets (rank 451 of 598).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.80%

Rank 323 of 599

Net Interest Margin

2.80%

Rank 451 of 598

Efficiency Ratio

63.70%

Rank 197 of 598

Equity / Assets

12.59%

Rank 160 of 598

Non-interest income vs. expense

$1.0M$8.4MINCOMEEXPENSE
Unfavorable gap of $7.4M · efficiency ratio beats 67% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.80%0.47%0.86%1.38%Beats 46%323 / 599n/a
Return on Equity6.32%4.56%8.90%12.65%Beats 33%400 / 598n/a
Net Interest Margin2.80%2.82%3.31%3.84%Beats 25%451 / 598n/a
Efficiency Ratio63.70%60.53%70.73%82.91%Beats 67%197 / 598n/a
Asset Quality
Nonperforming Loans / Loans0.00%0.06%0.34%0.91%Beats 100%84 / 547n/a
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 100%209 / 547n/a
Capital
Tier 1 Capital Ratio17.72%11.11%13.78%18.22%Beats 73%164 / 598n/a
Total Risk-Based Capital Ratio18.32%11.62%14.42%19.14%Beats 71%171 / 598n/a
Equity / Assets12.59%8.34%10.07%12.96%Beats 73%160 / 598n/a
Liquidity & Funding
Loans / Deposits81.89%60.71%77.02%90.89%58th pctl235 / 561n/a
Loans / Assets70.13%54.47%67.19%77.36%56th pctl241 / 547n/a
Brokered Deposits / Depositsn/aNot reported for this institution