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American First National Bank

$1B-$10B Specialty: Commercial TX FDIC cert 34656

Designations: ✓ Minority Depository Institution

Houston, TX

20 branches across TX · NV · CA

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 -0.6% year over year ($2.4B on the books).
  • Delinquency rate 0.43%.
  • Return on assets 2.13%.
  • Efficiency ratio 38.11% vs a 59.73% peer average.
  • Loan-to-deposit ratio 97.79% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX
View $1B-$10B leaderboard (TX) →

American First National Bank has 4 strengths but faces 4 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

  • + Profitability Leader: Top 31.1% in tier
  • + Efficiency Ratio 21.62% below tier average
  • + Net Interest Margin 0.68% above tier average
  • + Delinquency Rate 0.44% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 18.0% in tier
  • - Liquidity Overhang: Bottom 33.1% in tier
  • - Deposit Outflow: Bottom 49.6% in tier
  • - Non-Interest Income / Assets 0.49% below tier average
Get updates when American First National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $2.9B
+0.8% YoY +0.7% QoQ
+$92.9M $2.8B
-0.6% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
68%
Total Loans ? $2.4B
-0.0% YoY +1.4% QoQ
+$422.5M $2.0B
-0.3% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
74%
Total Deposits ? $2.4B
-0.6% YoY +0.2% QoQ
+$120.7M $2.3B
-0.5% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
69%
Return on Assets ? 2.13%
+15.2% YoY -11.3% QoQ
+0.74% 1.39%
+17.0% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Top 8.0% in tier
Net Interest Margin ? 4.55%
+13.6% YoY -8.1% QoQ
+0.68% 3.87%
+6.2% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 11.2% in tier
Efficiency Ratio ? 38.11%
-4.1% YoY +7.3% QoQ
-21.62% 59.73%
-12.6% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
Top 5.5% in tier
Delinquency Rate ? 0.43%
-74.4% YoY +34.9% QoQ
-0.44% 0.87%
+11.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
58%
Loan-to-Deposit Ratio ? 97.79%
+0.5% YoY +1.2% QoQ
+12.76% 85.04%
-0.1% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
20%
Non-Interest-Bearing Deposit Share ? 14.87%
-4.2% YoY -3.4% QoQ
-6.40% 21.27%
-1.5% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
27%
Nonperforming Asset Ratio ? 0.72%
-47.9% YoY +10.7% QoQ
+0.05% 0.67%
+11.7% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
32%
Tier 1 Capital Ratio ? 16.38%
+10.5% YoY +1.7% QoQ
+1.53% 14.84%
-0.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
82%
Non-Interest Income / Assets ? 0.04%
-5.4% YoY +102.6% QoQ
-0.49% 0.53%
+2.5% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
Bottom 2.9% in tier

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 14.9%
-0.6pp YoY
-0.5pp QoQ
 -6.5pp 21.4% 29.2% 22.2% 27%
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 7.9%
+0.3pp YoY
-0.3pp QoQ
 -6.1pp 14.0% 14.8% 12.5% 33%
CRE 89.7%
-0.3pp YoY
+0.5pp QoQ
 +39.7pp 50.0% 48.4% 41.4% 99%
1-4 Family 3.4%
0.0pp YoY
-0.2pp QoQ
 -23.0pp 26.4% 25.8% 31.3% 5%
Consumer 0.2%
0.0pp YoY
0.0pp QoQ
 -4.6pp 4.7% 4.7% 5.0% 16%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 16.4%
+1.6pp YoY
+0.3pp QoQ
 +0.8pp 15.6% 22.7% 19.7% 80%
Leverage Ratio 14.4%
+1.2pp YoY
+0.4pp QoQ
 +3.1pp 11.3% 12.6% 12.6% 91%
Total Capital Ratio 17.4%
+1.6pp YoY
+0.3pp QoQ
 +0.7pp 16.7% 23.8% 20.8% 79%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 244
+3 (+1.2%) YoY
+1 (+0.4%) QoQ
 -70 313 186 482 53%
Assets per Employee ($) $11.8M
-0.5% YoY
+0.3% QoQ
 +$1.3M $10.5M $10.1M $8.8M 77%
Branch Count 20
0 YoY
0 QoQ
 -0 20 12 18 65%

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 0.4%
-1.2pp YoY
+0.1pp QoQ
 -0.4pp 0.8% 1.0% 1.0% 42%
Allowance Coverage 2.52x
+306.3% YoY
-26.0% QoQ
 -16.19x 18.71x 18.82x 20.23x 58%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
-0.1pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 62%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 15.5%
+1.0pp YoY
-2.3pp QoQ
 +2.9pp 12.6% 13.2% 11.6% 76%
Cost of Funds (YTD) 2.6%
-0.3pp YoY
0.0pp QoQ
 +0.7pp 1.9% 1.6% 1.7% 88%
Net Income ($, YTD) $30.7M
+18.3% YoY
— QoQ
 +$11.5M $19.2M $15.9M $40.4M 83%

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)

Profitability Leader

growth
#70 of 222 • Top 31.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.13%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (3)

Liquidity Strain

risk
#66 of 361 • Bottom 18.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 97.79%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Liquidity Overhang

risk
#58 of 172 • Bottom 33.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 16.38%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 97.79%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#66 of 131 • Bottom 49.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally
→ Stable +31 banks QoQ

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 885 peers in $1B-$10B

Top Strengths (4 metrics)

50
Efficiency Ratio
profitability
Value: 38.11%
Peer Median: 59.73%
#50 of 885 Top 5.5% in $1B-$10B
72
Return on Assets
profitability
Value: 2.13%
Peer Median: 1.39%
#72 of 885 Top 8.0% in $1B-$10B
100
Net Interest Margin
profitability
Value: 4.55%
Peer Median: 3.87%
#100 of 885 Top 11.2% in $1B-$10B
156
Tier 1 Capital Ratio
capital
Value: 16.38%
Peer Median: 14.84%
#156 of 885 Top 17.5% in $1B-$10B

Top Weaknesses (2 metrics)

860
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.53%
#860 of 885 Bottom 2.9% in $1B-$10B
710
Loan-to-Deposit Ratio
liquidity
Value: 97.79%
Peer Median: 85.04%
#710 of 885 Bottom 19.9% in $1B-$10B
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