BlastPoint's Banking Scorecard

The American National Bank of Mount Pleasant

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

Mount Pleasant, TX

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

The American National Bank of Mount Pleasant 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

+ Deposit Franchise: Top 32.7% in tier
+ ROA 0.39% above tier average
+ Efficiency Ratio 0.73% below tier average
+ Delinquency Rate 0.82% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 69.8% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$144.1M +4.9% YoY +1.5% QoQ	-$242.0M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Bottom 12.6% in tier
Total Loans ?	$88.4M +6.8% YoY -2.9% QoQ	-$167.3M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 14.9% in tier
Total Deposits ?	$131.0M +5.8% YoY +2.8% QoQ	-$197.0M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	16%
Return on Assets ?	1.66% -8.1% YoY -10.9% QoQ	+0.39%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	76%
Net Interest Margin ?	4.93% -0.7% YoY -3.6% QoQ	+1.00%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 8.3% in tier
Efficiency Ratio ?	64.56% +1.6% YoY +5.9% QoQ	-0.73%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	46%
Delinquency Rate ?	0.07% -88.7% YoY +16.8% QoQ	-0.82%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	78%
Loan-to-Deposit Ratio ?	67.50% +1.0% YoY -5.5% QoQ	-9.13%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	71%
Non-Interest-Bearing Deposit Share ?	36.09% -4.0% YoY -2.1% QoQ	+14.07%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 8.7% in tier
Nonperforming Asset Ratio ?	0.04% -88.5% YoY +11.7% QoQ	-0.60%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	80%
Tier 1 Capital Ratio ?	12.50% +2.9% YoY -3.2% QoQ	-3.33%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	41%
Non-Interest Income / Assets ?	0.17% +0.8% YoY -76.4% QoQ	-0.11%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	78%

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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 (1)

Deposit Franchise

growth

#90 of 272 • Top 32.7% 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: 36.09%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.93%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (1)

Margin Compression

decline

#214 of 305 • Bottom 69.8% 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: 1.66%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

221

Net Interest Margin

profitability

Value: 4.93%

Peer Median: 3.93%

#221 of 2664 Top 8.3% in $100M-$1B

233

Non-Interest-Bearing Deposit Share

funding

Value: 36.09%

Peer Median: 22.02%

#233 of 2664 Top 8.7% in $100M-$1B

546

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.64%

#546 of 2664 Top 20.5% in $100M-$1B

579

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.28%

#579 of 2664 Top 21.7% in $100M-$1B

595

Delinquency Rate

credit_quality

Value: 0.07%

Peer Median: 0.89%

#595 of 2654 Top 22.4% in $100M-$1B

649

Return on Assets

profitability

Value: 1.66%

Peer Median: 1.27%

#649 of 2664 Top 24.3% in $100M-$1B

Top Weaknesses (3 metrics)

2329

Total Assets

size

Value: $144.11M

Peer Median: $386.08M

#2329 of 2664 Bottom 12.6% in $100M-$1B

2267

Total Loans

size

Value: $88.41M

Peer Median: $255.72M

#2267 of 2664 Bottom 14.9% in $100M-$1B

2249

Total Deposits

size

Value: $130.97M

Peer Median: $327.97M

#2249 of 2664 Bottom 15.6% in $100M-$1B