BlastPoint's Banking Scorecard
American First National Bank
Designations: ✓ Minority Depository Institution
Houston, TX
20 branches across TX · NV · CA
American First National Bank has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 7.2% in tier
- + Net Interest Margin 1.14% above tier average
- + Efficiency Ratio 25.55% below tier average
- + Delinquency Rate 0.57% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 9.6% in tier
- - Liquidity Overhang: Bottom 35.6% in tier
- - Non-Interest Income / Assets 0.24% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.9B
+2.1% YoY
-0.7% QoQ
|
+$49.0M |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
68% |
| Total Loans ? |
$2.4B
-1.6% YoY
-1.0% QoQ
|
+$387.3M |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
74% |
| Total Deposits ? |
$2.4B
+0.9% YoY
-1.0% QoQ
|
+$90.7M |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
68% |
| Return on Assets ? |
2.40%
+34.2% YoY
+49.9% QoQ
|
+1.04% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 4.1% in tier |
| Net Interest Margin ? |
4.95%
+26.0% YoY
+21.1% QoQ
|
+1.14% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 5.7% in tier |
| Efficiency Ratio ? |
35.51%
-14.4% YoY
-25.5% QoQ
|
-25.55% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Top 4.4% in tier |
| Delinquency Rate ? |
0.32%
-76.4% YoY
-78.0% QoQ
|
-0.57% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
96.64%
-2.5% YoY
-0.0% QoQ
|
+12.43% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
15.39%
-8.1% YoY
+1.8% QoQ
|
-5.90% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.65%
-42.9% YoY
-50.2% QoQ
|
-0.02% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
33% |
| Tier 1 Capital Ratio ? |
16.10%
+13.8% YoY
+5.5% QoQ
|
+0.94% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.02%
-8.0% YoY
-74.5% QoQ
|
-0.24% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 2.9% in tier |
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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)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.