BlastPoint's Banking Scorecard
The American National Bank of Texas
Designations: ✓ Community bank
Terrell, TX
28 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 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
- Deposits -2.3% year over year ($4.6B on the books).
- Delinquency rate 0.24%.
- Return on assets 0.63%.
- Efficiency ratio 74.79% vs a 59.73% peer average.
- Loan-to-deposit ratio 72.97% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The American National Bank of Texas has 2 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 3.6% in tier
- + Non-Interest-Bearing Deposit Share 16.04% above tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 10.5% in tier
- - Credit Risk Growth: Bottom 21.4% in tier
- - Credit Quality Pressure: Bottom 23.8% in tier
- - ROA 0.76% below tier average
- - Net Interest Margin 1.03% below tier average
- - Efficiency Ratio 15.06% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.5B
+0.0% YoY
-0.7% QoQ
|
+$2.7B |
$2.8B
-0.6% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
Top 11.8% in tier |
| Total Loans ? |
$3.4B
+4.7% YoY
-0.3% QoQ
|
+$1.4B |
$2.0B
-0.3% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
84% |
| Total Deposits ? |
$4.6B
-2.3% YoY
-3.8% QoQ
|
+$2.3B |
$2.3B
-0.5% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Top 12.2% in tier |
| Return on Assets ? |
0.63%
+24.2% YoY
+7.4% QoQ
|
-0.76% |
1.39%
+17.0% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
Bottom 10.5% in tier |
| Net Interest Margin ? |
2.85%
+6.0% YoY
+2.5% QoQ
|
-1.03% |
3.87%
+6.2% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 10.1% in tier |
| Efficiency Ratio ? |
74.79%
-4.0% YoY
-0.5% QoQ
|
+15.06% |
59.73%
-12.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 12.9% in tier |
| Delinquency Rate ? |
0.24%
+105.3% YoY
-6.1% QoQ
|
-0.63% |
0.87%
+11.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
72.97%
+7.1% YoY
+3.6% QoQ
|
-12.07% |
85.04%
-0.1% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
37.31%
+5.3% YoY
+6.4% QoQ
|
+16.04% |
21.27%
-1.5% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 6.2% in tier |
| Nonperforming Asset Ratio ? |
0.14%
+100.9% YoY
-5.7% QoQ
|
-0.53% |
0.67%
+11.7% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
12.30%
-0.4% YoY
+1.4% QoQ
|
-2.54% |
14.84%
-0.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.31%
+9.5% YoY
+109.7% QoQ
|
-0.22% |
0.53%
+2.5% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
53% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
37.3%
+1.9pp YoY +2.2pp QoQ |
+15.9pp | 21.4% | 29.2% | 22.2% | 94% |
| Brokered Deposits | n/a | n/a | 9.5% | 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 |
8.1%
+1.5pp YoY +0.5pp QoQ |
-5.9pp | 14.0% | 14.8% | 12.5% | 34% |
| CRE |
62.1%
-0.1pp YoY -0.6pp QoQ |
+12.1pp | 50.0% | 48.4% | 41.4% | 79% |
| 1-4 Family |
22.4%
-0.6pp YoY 0.0pp QoQ |
-4.0pp | 26.4% | 25.8% | 31.3% | 48% |
| Consumer |
0.7%
-0.1pp YoY 0.0pp QoQ |
-4.0pp | 4.7% | 4.7% | 5.0% | 38% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.3%
0.0pp YoY +0.2pp QoQ |
-3.3pp | 15.6% | 22.7% | 19.7% | 29% |
| Leverage Ratio |
8.8%
+0.1pp YoY +0.2pp QoQ |
-2.5pp | 11.3% | 12.6% | 12.6% | 9% |
| Total Capital Ratio |
13.5%
0.0pp YoY +0.2pp QoQ |
-3.1pp | 16.7% | 23.8% | 20.8% | 31% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
604
+17 (+2.9%) YoY -5 (-0.8%) QoQ |
+290 | 313 | 186 | 482 | 89% |
| Assets per Employee ($) |
$9.1M
-2.8% YoY +0.1% QoQ |
-$1.4M | $10.5M | $10.1M | $8.8M | 56% |
| Branch Count |
28
+1 (+3.7%) YoY 0 QoQ |
+8 | 20 | 12 | 18 | 80% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.2%
+0.1pp YoY 0.0pp QoQ |
-0.6pp | 0.8% | 1.0% | 1.0% | 24% |
| Allowance Coverage |
5.44x
-48.4% YoY +8.0% QoQ |
-13.27x | 18.71x | 18.82x | 20.23x | 80% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 42% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.5%
+0.8pp YoY +0.3pp QoQ |
-1.1pp | 12.6% | 13.2% | 11.6% | 45% |
| Cost of Funds (YTD) |
1.5%
-0.3pp YoY +0.1pp QoQ |
-0.4pp | 1.9% | 1.6% | 1.7% | 23% |
| Net Income ($, YTD) |
$18.8M
+34.7% YoY — QoQ |
-$455K | $19.2M | $15.9M | $40.4M | 67% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
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.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.