BlastPoint's Banking Scorecard

American Bank, National Association

$100M-$1B Specialty: Commercial TX FDIC cert 21567

Designations: ✓ Minority Depository Institution

Dallas, TX

3 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

American Bank, National Association has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 30.76% below tier average
+ ROA 0.49% above tier average
+ Net Interest Margin 0.88% above tier average
+ Delinquency Rate 0.64% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 27.3% in tier

Get updates when American Bank, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$722.7M +14.3% YoY +3.2% QoQ	+$336.7M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Top 11.5% in tier
Total Loans ?	$541.8M +23.7% YoY +4.1% QoQ	+$286.1M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Top 8.4% in tier
Total Deposits ?	$611.5M +15.8% YoY +3.2% QoQ	+$283.5M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Top 11.7% in tier
Return on Assets ?	1.76% +14.7% YoY +7.4% QoQ	+0.49%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	80%
Net Interest Margin ?	4.81% -5.8% YoY -5.5% QoQ	+0.88%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 10.8% in tier
Efficiency Ratio ?	34.52% -7.9% YoY -2.8% QoQ	-30.76%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Top 1.7% in tier
Delinquency Rate ?	0.25% +187.3% YoY +27.3% QoQ	-0.64%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	61%
Loan-to-Deposit Ratio ?	88.61% +6.8% YoY +0.8% QoQ	+11.97%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	27%
Non-Interest-Bearing Deposit Share ?	12.69% +13.3% YoY -4.9% QoQ	-9.33%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	17%
Nonperforming Asset Ratio ?	0.19% +210.9% YoY +28.3% QoQ	-0.45%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	61%
Tier 1 Capital Ratio ?	10.77% -2.8% YoY +1.5% QoQ	-5.06%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	20%
Non-Interest Income / Assets ?	0.05% +164.6% YoY -55.3% QoQ	-0.23%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	19%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk

#358 of 1308 • Bottom 27.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.25%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Efficiency Ratio

profitability

Value: 34.52%

Peer Median: 65.29%

#46 of 2664 Top 1.7% in $100M-$1B

225

Total Loans

size

Value: $541.82M

Peer Median: $255.72M

#225 of 2664 Top 8.4% in $100M-$1B

288

Net Interest Margin

profitability

Value: 4.81%

Peer Median: 3.93%

#288 of 2664 Top 10.8% in $100M-$1B

308

Total Assets

size

Value: $722.73M

Peer Median: $386.08M

#308 of 2664 Top 11.5% in $100M-$1B

312

Total Deposits

size

Value: $611.48M

Peer Median: $327.97M

#312 of 2664 Top 11.7% in $100M-$1B

542

Return on Assets

profitability

Value: 1.76%

Peer Median: 1.27%

#542 of 2664 Top 20.3% in $100M-$1B

Top Weaknesses (3 metrics)

2222

Non-Interest-Bearing Deposit Share

funding

Value: 12.69%

Peer Median: 22.02%

#2222 of 2664 Bottom 16.6% in $100M-$1B

2152

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2152 of 2664 Bottom 19.3% in $100M-$1B

2126

Tier 1 Capital Ratio

capital

Value: 10.77%

Peer Median: 15.83%

#2126 of 2664 Bottom 20.2% in $100M-$1B