BlastPoint

BlastPoint's Banking Scorecard

American Nation Bank

$100M-$1B Specialty: Commercial OK FDIC cert 24472

Ardmore, OK

10 branches across OK · 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 106 in OK.
  • Deposits -0.4% year over year ($577.7M on the books).
  • Delinquency rate 0.06%.
  • Return on assets 1.54%.
  • Efficiency ratio 62.85% vs a 64.48% peer average.
  • Loan-to-deposit ratio 82.76% 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 106 in OK
View $100M-$1B leaderboard (OK) →

American Nation Bank has 3 strengths but faces 2 concerns

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 0.22% above tier average
  • + Efficiency Ratio 1.63% below tier average
  • + Delinquency Rate 0.86% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 20.7% in tier
  • - Net Interest Margin 0.09% below tier average
Get updates when American Nation Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $691.5M
+1.1% YoY +0.5% QoQ
+$304.9M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
Top 12.8% in tier
Total Loans ? $478.1M
+6.6% YoY +0.5% QoQ
+$219.7M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
Top 13.6% in tier
Total Deposits ? $577.7M
-0.4% YoY +0.2% QoQ
+$250.9M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
Top 13.8% in tier
Return on Assets ? 1.54%
+4.3% YoY -2.1% QoQ
+0.22% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
67%
Net Interest Margin ? 3.89%
+8.2% YoY +2.8% QoQ
-0.09% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
48%
Efficiency Ratio ? 62.85%
+6.2% YoY +2.5% QoQ
-1.63% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
49%
Delinquency Rate ? 0.06%
-47.0% YoY -0.5% QoQ
-0.86% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
78%
Loan-to-Deposit Ratio ? 82.76%
+7.0% YoY +0.3% QoQ
+4.81% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
44%
Non-Interest-Bearing Deposit Share ? 19.16%
-0.7% YoY -0.1% QoQ
-2.87% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
41%
Nonperforming Asset Ratio ? 0.70%
-21.7% YoY -7.5% QoQ
+0.03% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
30%
Tier 1 Capital Ratio ? 10.31%
+6.0% YoY +1.9% QoQ
-5.60% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
Bottom 14.5% in tier
Non-Interest Income / Assets ? 0.23%
-6.5% YoY +88.8% QoQ
-0.34% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
58%

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 (OK) National Avg Tier Percentile
Noninterest-Bearing 19.2%
-0.1pp YoY
0.0pp QoQ
 -3.0pp 22.1% 23.9% 22.2% 41%
Brokered Deposits 2.1%
-0.3pp YoY
+0.1pp QoQ
 -5.8pp 7.9% 9.7% 8.5% 30%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 8.1%
+0.4pp YoY
+1.1pp QoQ
 -3.4pp 11.6% 15.7% 12.5% 41%
CRE 55.2%
+1.9pp YoY
+2.5pp QoQ
 +15.7pp 39.5% 42.0% 41.4% 78%
1-4 Family 20.1%
-2.5pp YoY
-1.2pp QoQ
 -12.6pp 32.6% 24.0% 31.3% 30%
Consumer 3.8%
-1.8pp YoY
-1.5pp QoQ
 -0.3pp 4.1% 5.6% 5.0% 68%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.0% 19.7% n/a
Leverage Ratio 10.3%
+0.6pp YoY
+0.2pp QoQ
 -1.9pp 12.2% 11.7% 12.6% 38%
Total Capital Ratio n/a n/a 19.9% 18.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 118
+8 (+7.3%) YoY
+5 (+4.4%) QoQ
 +59 58 150 482 92%
Assets per Employee ($) $5.9M
-5.8% YoY
-3.8% QoQ
 -$1.7M $7.5M $6.5M $8.8M 31%
Branch Count 10
0 YoY
0 QoQ
 +5 4 8 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.9% 0.4% n/a
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.5% 1.0% 13%
Allowance Coverage 26.55x
+71.3% YoY
-0.3% QoQ
 +2.40x 24.15x 61.99x 20.23x 90%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.2% 0.2% 18%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 16.4%
-1.1pp YoY
-0.5pp QoQ
 +4.2pp 12.2% 11.9% 11.6% 74%
Cost of Funds (YTD) 2.2%
-0.3pp YoY
0.0pp QoQ
 +0.5pp 1.7% 1.8% 1.7% 82%
Net Income ($, YTD) $5.3M
+7.1% YoY
— QoQ
 +$2.7M $2.6M $8.7M $40.4M 89%

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 (1)

Capital Thin

risk
#138 of 661 • Bottom 20.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.31%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | 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 (4 metrics)

340
Total Assets
size
Value: $691.49M
Peer Median: $386.57M
#340 of 2643 Top 12.8% in $100M-$1B
361
Total Loans
size
Value: $478.08M
Peer Median: $258.35M
#361 of 2643 Top 13.6% in $100M-$1B
367
Total Deposits
size
Value: $577.65M
Peer Median: $326.73M
#367 of 2643 Top 13.8% in $100M-$1B
575
Delinquency Rate
credit_quality
Value: 0.06%
Peer Median: 0.92%
#575 of 2633 Top 21.8% in $100M-$1B

Top Weaknesses (1 metrics)

2260
Tier 1 Capital Ratio
capital
Value: 10.31%
Peer Median: 15.91%
#2260 of 2643 Bottom 14.5% in $100M-$1B
Powered by BlastPoint © 2026