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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
Deposits +23.4% year over year ($659.8M on the books).
Delinquency rate 0.29%.
Return on assets 1.80%.
Efficiency ratio 33.31% vs a 64.48% peer average.
Loan-to-deposit ratio 83.94% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (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 31.17% below tier average
+ ROA 0.48% above tier average
+ Net Interest Margin 0.84% above tier average
+ Delinquency Rate 0.63% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 24.8% in tier

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

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$773.8M +20.7% YoY +7.1% QoQ	+$387.3M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Top 9.2% in tier
Total Loans ?	$553.8M +24.4% YoY +2.2% QoQ	+$295.5M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Top 7.8% in tier
Total Deposits ?	$659.8M +23.4% YoY +7.9% QoQ	+$333.1M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Top 8.9% in tier
Return on Assets ?	1.80% +9.3% YoY +2.5% QoQ	+0.48%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	80%
Net Interest Margin ?	4.83% -3.9% YoY +0.4% QoQ	+0.84%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Top 11.4% in tier
Efficiency Ratio ?	33.31% -10.3% YoY -3.5% QoQ	-31.17%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Top 1.3% in tier
Delinquency Rate ?	0.29% +72.8% YoY +16.0% QoQ	-0.63%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	58%
Loan-to-Deposit Ratio ?	83.94% +0.8% YoY -5.3% QoQ	+5.99%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	41%
Non-Interest-Bearing Deposit Share ?	12.91% -3.6% YoY +1.7% QoQ	-9.12%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	17%
Nonperforming Asset Ratio ?	0.21% +78.1% YoY +10.7% QoQ	-0.46%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	60%
Tier 1 Capital Ratio ?	10.75% +1.5% YoY -0.1% QoQ	-5.15%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	20%
Non-Interest Income / Assets ?	0.14% +258.2% YoY +181.5% QoQ	-0.43%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	31%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	12.9% -0.5pp YoY +0.2pp QoQ	-9.2pp	22.1%	29.2%	22.2%	17%
Brokered Deposits	2.0% -0.6pp YoY -0.3pp QoQ	-5.8pp	7.9%	8.0%	8.5%	30%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	15.2% +1.7pp YoY -1.5pp QoQ	+3.7pp	11.6%	14.8%	12.5%	77%
CRE	n/a	n/a	39.5%	48.4%	41.4%	n/a
1-4 Family	5.2% -1.7pp YoY -0.3pp QoQ	-27.4pp	32.6%	25.8%	31.3%	5%
Consumer	18.5% -4.9pp YoY -0.3pp QoQ	+14.4pp	4.1%	4.7%	5.0%	97%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.7%	19.7%	n/a
Leverage Ratio	10.8% +0.2pp YoY 0.0pp QoQ	-1.4pp	12.2%	12.6%	12.6%	46%
Total Capital Ratio	n/a	n/a	19.9%	23.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	53 -1 (-1.9%) YoY -1 (-1.9%) QoQ	-6	58	186	482	56%
Assets per Employee ($)	$14.6M +23.0% YoY +9.1% QoQ	+$7.1M	$7.5M	$10.1M	$8.8M	97%
Branch Count	3 0 YoY 0 QoQ	-2	4	12	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.3% +0.2pp YoY 0.0pp QoQ	-0.6pp	0.9%	1.0%	1.0%	37%
Allowance Coverage	4.76x -42.3% YoY -12.3% QoQ	-19.39x	24.15x	18.82x	20.23x	69%
Net Charge-off Rate (YTD)	1.2% +0.2pp YoY 0.0pp QoQ	+1.1pp	0.1%	0.1%	0.2%	98%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	17.3% +1.8pp YoY +0.6pp QoQ	+5.1pp	12.2%	13.2%	11.6%	78%
Cost of Funds (YTD)	3.1% -0.4pp YoY -0.1pp QoQ	+1.4pp	1.7%	1.6%	1.7%	99%
Net Income ($, YTD)	$6.6M +31.2% YoY — QoQ	+$4.0M	$2.6M	$15.9M	$40.4M	94%

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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

#312 of 1256 • Bottom 24.8% in tier

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

Why this signature

Delinquency Rate: 0.29%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

Efficiency Ratio

profitability

Value: 33.31%

Peer Median: 64.48%

#35 of 2643 Top 1.3% in $100M-$1B

207

Total Loans

size

Value: $553.85M

Peer Median: $258.35M

#207 of 2643 Top 7.8% in $100M-$1B

237

Total Deposits

size

Value: $659.83M

Peer Median: $326.73M

#237 of 2643 Top 8.9% in $100M-$1B

244

Total Assets

size

Value: $773.83M

Peer Median: $386.57M

#244 of 2643 Top 9.2% in $100M-$1B

301

Net Interest Margin

profitability

Value: 4.83%

Peer Median: 3.99%

#301 of 2643 Top 11.4% in $100M-$1B

527

Return on Assets

profitability

Value: 1.80%

Peer Median: 1.32%

#527 of 2643 Top 19.9% in $100M-$1B

Top Weaknesses (2 metrics)

2188

Non-Interest-Bearing Deposit Share

funding

Value: 12.91%

Peer Median: 22.03%

#2188 of 2643 Bottom 17.3% in $100M-$1B

2120

Tier 1 Capital Ratio

capital

Value: 10.75%

Peer Median: 15.91%

#2120 of 2643 Bottom 19.8% in $100M-$1B