BlastPoint's Banking Scorecard
The American National Bank of Texas
Designations: ✓ Community bank
Terrell, TX
28 branches across TX
The American National Bank of Texas has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 13.78% above tier average
- + Delinquency Rate 0.64% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 14.0% in tier
- - Credit Risk Growth: Bottom 27.9% in tier
- - ROA 0.78% below tier average
- - Net Interest Margin 1.04% below tier average
- - Efficiency Ratio 14.07% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.5B
+0.5% YoY
-19.4% QoQ
|
+$2.7B |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Top 12.7% in tier |
| Total Loans ? |
$3.4B
+5.7% YoY
+2.3% QoQ
|
+$1.4B |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
84% |
| Total Deposits ? |
$4.8B
-0.9% YoY
-26.6% QoQ
|
+$2.4B |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Top 11.9% in tier |
| Return on Assets ? |
0.59%
+14.4% YoY
+45.9% QoQ
|
-0.78% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 11.8% in tier |
| Net Interest Margin ? |
2.78%
-0.9% YoY
+5.0% QoQ
|
-1.04% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 10.1% in tier |
| Efficiency Ratio ? |
75.13%
-0.8% YoY
-3.1% QoQ
|
+14.07% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 14.6% in tier |
| Delinquency Rate ? |
0.25%
+150.2% YoY
+41.6% QoQ
|
-0.64% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
70.46%
+6.7% YoY
+39.5% QoQ
|
-13.75% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
35.07%
+0.5% YoY
+37.7% QoQ
|
+13.78% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 8.9% in tier |
| Nonperforming Asset Ratio ? |
0.15%
+163.1% YoY
+61.4% QoQ
|
-0.52% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
79% |
| Tier 1 Capital Ratio ? |
12.13%
-3.3% YoY
+1.9% QoQ
|
-3.03% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.15%
+12.6% YoY
-70.4% QoQ
|
-0.11% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
52% |
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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 (0)
Concerns (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.