BlastPoint's Banking Scorecard

American National Bank & Trust

$1B-$10B Specialty: Commercial TX FDIC cert 22373

Designations: ✓ Community bank

Wichita Falls, TX

14 branches across TX

884 banks in the $1B-$10B peer group nationally 80 in TX

American National Bank & Trust faces 3 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.48% below tier average
- Net Interest Margin 0.64% below tier average
- Efficiency Ratio 9.12% above tier average

Get updates when American National Bank & Trust releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$2.5B +4.2% YoY +0.9% QoQ	-$345.3M	$2.8B -0.1% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	61%
Total Loans ?	$1.9B +7.8% YoY -0.0% QoQ	-$97.1M	$2.0B +0.6% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	64%
Total Deposits ?	$2.2B +3.7% YoY +0.7% QoQ	-$151.9M	$2.3B -0.3% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	64%
Return on Assets ?	0.89% +3.5% YoY -1.3% QoQ	-0.48%	1.37% +19.6% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	25%
Net Interest Margin ?	3.18% +13.8% YoY +4.7% QoQ	-0.64%	3.82% +6.9% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	24%
Efficiency Ratio ?	70.18% +1.6% YoY +0.9% QoQ	+9.12%	61.06% -4.6% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	23%
Delinquency Rate ?	0.85% -22.2% YoY -17.4% QoQ	-0.04%	0.89% +14.1% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	33%
Loan-to-Deposit Ratio ?	85.23% +3.9% YoY -0.7% QoQ	+1.03%	84.20% +0.3% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	53%
Non-Interest-Bearing Deposit Share ?	14.68% -1.6% YoY +8.9% QoQ	-6.61%	21.29% -2.5% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	27%
Nonperforming Asset Ratio ?	0.77% -2.9% YoY -15.6% QoQ	+0.10%	0.67% +15.6% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	29%
Tier 1 Capital Ratio ?	12.59% -0.2% YoY +0.5% QoQ	-2.57%	15.16% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	41%
Non-Interest Income / Assets ?	0.29% -7.6% YoY -76.1% QoQ	+0.03%	0.26% +1.6% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 14.7% in tier

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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 (0)

No matched concern signatures this quarter

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 884 peers in $1B-$10B

Top Strengths (1 metrics)

131

Non-Interest Income / Assets

revenue_mix

Value: 0.29%

Peer Median: 0.26%

#131 of 884 Top 14.7% in $1B-$10B

Top Weaknesses (2 metrics)

685

Efficiency Ratio

profitability

Value: 70.18%

Peer Median: 61.06%

#685 of 884 Bottom 22.6% in $1B-$10B

675

Net Interest Margin

profitability

Value: 3.18%

Peer Median: 3.82%

#675 of 884 Bottom 23.8% in $1B-$10B