BlastPoint's Banking Scorecard

Anahuac National Bank

$100M-$1B Specialty: Other TX FDIC cert 22381

Anahuac, TX

5 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 -0.4% year over year ($255.1M on the books).
Delinquency rate 0.38%.
Return on assets 0.96%.
Efficiency ratio 72.90% vs a 64.48% peer average.
Loan-to-deposit ratio 32.52% 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) →

Anahuac National Bank has 1 strength but faces 5 concerns

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

+ Delinquency Rate 0.54% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 24.5% in tier
- Credit Quality Pressure: Bottom 44.4% in tier
- ROA 0.37% below tier average
- Net Interest Margin 0.35% below tier average
- Efficiency Ratio 8.42% above tier average

Get updates when Anahuac National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$266.4M +2.6% YoY -9.5% QoQ	-$120.1M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	40%
Total Loans ?	$83.0M -3.2% YoY -3.4% QoQ	-$175.4M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Bottom 11.8% in tier
Total Deposits ?	$255.1M -0.4% YoY -10.3% QoQ	-$71.7M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	46%
Return on Assets ?	0.96% +28.8% YoY +3.2% QoQ	-0.37%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	31%
Net Interest Margin ?	3.64% +5.5% YoY +1.7% QoQ	-0.35%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	34%
Efficiency Ratio ?	72.90% -0.6% YoY +1.3% QoQ	+8.42%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	24%
Delinquency Rate ?	0.38% +939.6% YoY +233.1% QoQ	-0.54%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	52%
Loan-to-Deposit Ratio ?	32.52% -2.8% YoY +7.7% QoQ	-45.43%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 2.1% in tier
Non-Interest-Bearing Deposit Share ?	33.23% +22.5% YoY +23.1% QoQ	+11.20%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 12.1% in tier
Nonperforming Asset Ratio ?	0.12% +881.3% YoY +255.2% QoQ	-0.55%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	69%
Tier 1 Capital Ratio ?	10.08% -47.4% YoY -49.8% QoQ	-5.83%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Bottom 11.8% in tier
Non-Interest Income / Assets ?	0.24% -3.0% YoY +126.6% QoQ	-0.33%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	61%

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	33.2% +6.1pp YoY +6.2pp QoQ	+11.1pp	22.1%	29.2%	22.2%	88%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	22.9% +3.0pp YoY -0.5pp QoQ	+11.4pp	11.6%	14.8%	12.5%	91%
CRE	n/a	n/a	39.5%	48.4%	41.4%	n/a
1-4 Family	24.9% +3.9pp YoY +2.0pp QoQ	-7.8pp	32.6%	25.8%	31.3%	40%
Consumer	6.3% -0.1pp YoY -0.2pp QoQ	+2.1pp	4.1%	4.7%	5.0%	83%

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	10.1% +0.7pp YoY +1.0pp QoQ	-2.1pp	12.2%	12.6%	12.6%	33%
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	36 0 YoY 0 QoQ	-23	58	186	482	36%
Assets per Employee ($)	$7.4M +2.6% YoY -9.5% QoQ	-$118K	$7.5M	$10.1M	$8.8M	59%
Branch Count	5 0 YoY 0 QoQ	0	4	12	18	55%

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	0.4% +0.3pp YoY +0.3pp QoQ	-0.6pp	0.9%	1.0%	1.0%	45%
Allowance Coverage	7.65x -90.0% YoY -69.1% QoQ	-16.50x	24.15x	18.82x	20.23x	78%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY +0.1pp QoQ	-0.1pp	0.1%	0.1%	0.2%	72%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	27.4% -64.7pp YoY -0.8pp QoQ	+15.2pp	12.2%	13.2%	11.6%	98%
Cost of Funds (YTD)	0.9% -0.5pp YoY -0.1pp QoQ	-0.8pp	1.7%	1.6%	1.7%	8%
Net Income ($, YTD)	$1.3M +38.7% YoY — QoQ	-$1.2M	$2.6M	$15.9M	$40.4M	37%

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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 (2)

Capital Thin

risk

#163 of 661 • Bottom 24.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.08%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

Credit Quality Pressure

risk

#558 of 1256 • Bottom 44.4% in tier

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

Why this signature

Delinquency Rate: 0.38%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

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 (2 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 32.52%

Peer Median: 77.95%

#57 of 2643 Top 2.1% in $100M-$1B

321

Non-Interest-Bearing Deposit Share

funding

Value: 33.23%

Peer Median: 22.03%

#321 of 2643 Top 12.1% in $100M-$1B

Top Weaknesses (3 metrics)

2331

Tier 1 Capital Ratio

capital

Value: 10.08%

Peer Median: 15.91%

#2331 of 2643 Bottom 11.8% in $100M-$1B

2331

Total Loans

size

Value: $82.95M

Peer Median: $258.35M

#2331 of 2643 Bottom 11.8% in $100M-$1B

2005

Efficiency Ratio

profitability

Value: 72.90%

Peer Median: 64.48%

#2005 of 2643 Bottom 24.2% in $100M-$1B