BlastPoint's Banking Scorecard

American Bank, National Association

$100M-$1B Specialty: Commercial TX FDIC cert 23886

Waco, TX

4 branches across TX

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

American Bank, National Association demonstrates 4 strengths

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

+ ROA 0.36% above tier average
+ Net Interest Margin 0.15% above tier average
+ Efficiency Ratio 5.63% below tier average
+ Delinquency Rate 0.84% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when American Bank, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$628.1M +4.2% YoY +0.5% QoQ	+$242.0M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	83%
Total Loans ?	$477.6M +4.7% YoY +1.8% QoQ	+$221.8M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Top 13.0% in tier
Total Deposits ?	$561.5M +3.7% YoY +0.3% QoQ	+$233.6M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	85%
Return on Assets ?	1.63% +57.9% YoY +17.7% QoQ	+0.36%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	74%
Net Interest Margin ?	4.08% +15.3% YoY +8.7% QoQ	+0.15%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	62%
Efficiency Ratio ?	59.65% -15.4% YoY -6.5% QoQ	-5.63%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	61%
Delinquency Rate ?	0.05% -91.7% YoY -24.2% QoQ	-0.84%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	80%
Loan-to-Deposit Ratio ?	85.05% +0.9% YoY +1.5% QoQ	+8.41%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	35%
Non-Interest-Bearing Deposit Share ?	27.62% +6.4% YoY +1.4% QoQ	+5.60%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	75%
Nonperforming Asset Ratio ?	0.03% -91.7% YoY -23.2% QoQ	-0.60%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	80%
Tier 1 Capital Ratio ?	14.55% +3.5% YoY +2.7% QoQ	-1.28%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	62%
Non-Interest Income / Assets ?	0.06% +1.9% YoY -82.6% QoQ	-0.22%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	26%

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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 (0)

No matched concern signatures this quarter

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)

347

Total Loans

size

Value: $477.56M

Peer Median: $255.72M

#347 of 2664 Top 13.0% in $100M-$1B

408

Total Deposits

size

Value: $561.54M

Peer Median: $327.97M

#408 of 2664 Top 15.3% in $100M-$1B

466

Total Assets

size

Value: $628.09M

Peer Median: $386.08M

#466 of 2664 Top 17.5% in $100M-$1B

523

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.89%

#523 of 2654 Top 19.7% in $100M-$1B

526

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.64%

#526 of 2664 Top 19.7% in $100M-$1B

662

Non-Interest-Bearing Deposit Share

funding

Value: 27.62%

Peer Median: 22.02%

#662 of 2664 Top 24.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available