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The American National Bank of Mount Pleasant

$100M-$1B Specialty: Commercial TX FDIC cert 22942

Mount Pleasant, 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 +5.6% year over year ($130.3M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.53%.
  • Efficiency ratio 60.84% vs a 64.48% peer average.
  • Loan-to-deposit ratio 70.24% 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) →

The American National Bank of Mount Pleasant has 5 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

  • + Deposit Franchise: Top 28.1% in tier
  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + ROA 0.21% above tier average
  • + Efficiency Ratio 3.64% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 37.8% in tier
Get updates when The American National Bank of Mount Pleasant releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $144.6M
+7.2% YoY +0.3% QoQ
-$242.0M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Bottom 12.5% in tier
Total Loans ? $91.5M
+5.5% YoY +3.5% QoQ
-$166.9M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
15%
Total Deposits ? $130.3M
+5.6% YoY -0.5% QoQ
-$196.5M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
16%
Return on Assets ? 1.53%
-23.6% YoY -8.0% QoQ
+0.21% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
67%
Net Interest Margin ? 5.01%
-0.2% YoY +1.7% QoQ
+1.03% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 7.8% in tier
Efficiency Ratio ? 60.84%
+0.6% YoY -5.8% QoQ
-3.64% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
55%
Delinquency Rate ? 0.00%
-100.0% YoY -100.0% QoQ
-0.92% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 70.24%
-0.2% YoY +4.0% QoQ
-7.72% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
69%
Non-Interest-Bearing Deposit Share ? 36.23%
-0.4% YoY +0.4% QoQ
+14.20% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 8.3% in tier
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY -100.0% QoQ
-0.67% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 12.82%
+2.4% YoY +2.6% QoQ
-3.09% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
45%
Non-Interest Income / Assets ? 0.34%
+0.2% YoY +106.0% QoQ
-0.22% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
78%

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 36.2%
-0.1pp YoY
+0.1pp QoQ
 +14.1pp 22.1% 29.2% 22.2% 92%
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 13.1%
-0.7pp YoY
+0.7pp QoQ
 +1.5pp 11.6% 14.8% 12.5% 69%
CRE 38.0%
+0.9pp YoY
-0.9pp QoQ
 -1.5pp 39.5% 48.4% 41.4% 49%
1-4 Family 32.8%
+1.4pp YoY
+2.2pp QoQ
 +0.1pp 32.6% 25.8% 31.3% 57%
Consumer 11.3%
-1.1pp YoY
-0.3pp QoQ
 +7.2pp 4.1% 4.7% 5.0% 94%

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 12.8%
+0.3pp YoY
+0.3pp QoQ
 +0.7pp 12.2% 12.6% 12.6% 73%
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 28
0 YoY
+1 (+3.7%) QoQ
 -31 58 186 482 24%
Assets per Employee ($) $5.2M
+7.2% YoY
-3.3% QoQ
 -$2.4M $7.5M $10.1M $8.8M 17%
Branch Count 1
0 YoY
0 QoQ
 -4 4 12 18 0%

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 n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 18.82x 20.23x n/a
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 62%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 16.1%
-9.1pp YoY
-1.5pp QoQ
 +3.9pp 12.2% 13.2% 11.6% 73%
Cost of Funds (YTD) 1.5%
-0.2pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.6% 1.7% 33%
Net Income ($, YTD) $1.1M
-18.4% YoY
— QoQ
 -$1.5M $2.6M $15.9M $40.4M 30%

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 (1)

Deposit Franchise

growth
#79 of 278 • Top 28.1% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 36.23%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.01%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Margin Compression

decline
#117 of 307 • Bottom 37.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.53%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
208
Net Interest Margin
profitability
Value: 5.01%
Peer Median: 3.99%
#208 of 2643 Top 7.8% in $100M-$1B
220
Non-Interest-Bearing Deposit Share
funding
Value: 36.23%
Peer Median: 22.03%
#220 of 2643 Top 8.3% in $100M-$1B
575
Non-Interest Income / Assets
revenue_mix
Value: 0.34%
Peer Median: 0.57%
#575 of 2643 Top 21.7% in $100M-$1B

Top Weaknesses (3 metrics)

2313
Total Assets
size
Value: $144.59M
Peer Median: $386.57M
#2313 of 2643 Bottom 12.5% in $100M-$1B
2241
Total Loans
size
Value: $91.49M
Peer Median: $258.35M
#2241 of 2643 Bottom 15.2% in $100M-$1B
2233
Total Deposits
size
Value: $130.26M
Peer Median: $326.73M
#2233 of 2643 Bottom 15.6% in $100M-$1B
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