American First National Bank
Houston, TX · Cert 34656 · Peer group: banks $1B-$10B in assets (n=322-328) · Afnb Holdings Inc.
National charter · OCC · 20 branches
Q2 2026
$2.9BAssets
$2.4BLoans
$2.4BDeposits
$410.9MEquity
Executive Summary
- Strongest standing: return on assets outperforms 95% of banks $1B-$10B in assets (rank 16 of 328).
- Widest gap: net charge-offs / loans trails 69% of banks $1B-$10B in assets (rank 224 of 322).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
2.13%
Rank 16 of 328
Net Interest Margin
4.42%
Rank 31 of 328
Efficiency Ratio
38.11%
Rank 16 of 328
Equity / Assets
14.24%
Rank 32 of 328
Non-interest income vs. expense
Unfavorable gap of $46.8M · efficiency ratio beats 95% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.13% | 0.91% | 1.22% | 1.52% | Beats 95% | 16 / 328 | | |
| Return on Equity | 14.94% | 8.43% | 11.45% | 14.43% | Beats 80% | 64 / 328 | | |
| Net Interest Margin | 4.42% | 3.03% | 3.45% | 3.83% | Beats 91% | 31 / 328 | | |
| Efficiency Ratio | 38.11% | 51.61% | 59.56% | 67.53% | Beats 95% | 16 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.42% | 0.24% | 0.51% | 1.03% | Beats 60% | 131 / 322 | | |
| Net Charge-Offs / Loans | 0.08% | 0.01% | 0.03% | 0.10% | Beats 31% | 224 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 16.38% | 11.75% | 13.15% | 15.47% | Beats 81% | 61 / 328 | | |
| Total Risk-Based Capital Ratio | 17.44% | 12.63% | 14.15% | 16.46% | Beats 82% | 59 / 328 | | |
| Equity / Assets | 14.24% | 9.15% | 10.33% | 12.01% | Beats 90% | 32 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 98.85% | 76.63% | 87.92% | 95.36% | 83rd pctl | 56 / 323 | | |
| Loans / Assets | 83.55% | 65.18% | 74.15% | 79.98% | 87th pctl | 44 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |