AMERICAN FIRST NATIONAL BANK

HOUSTON, TX | Large | Est. May 18, 1998, midnight | FDIC #34656 | RSSD #2694681 | OCC
Latest Report: 2025-12-31

AMERICAN FIRST NATIONAL BANK is aln large FDIC-insured commercial bank headquartered in HOUSTON, TX, established in May 18, 1998, midnight. As of 2025-12-31, the bank reported total assets of $2.9B and total deposits of $2.5B. Profitability stands at 0.79% ROA and 5.94% ROE, with a net interest margin of 4.33%. The bank's CET1 capital ratio is 15.27%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.42% and a Texas Ratio of 9.29%. FDIC Certificate #34656.

Assets

$2.9B

Deposits

$2.5B

Loans

$2.4B

Equity

$381M

Profitability

Return on Assets (ROA) 0.79%
Return on Equity (ROE) 5.94%
Net Interest Margin (NIM) 4.33%
Yield on Assets 7.28%
Cost of Funds 3.75%

Asset Quality

NPL Ratio 1.42%
Net Charge-Off Ratio 0.03%
Texas Ratio 9.29%
NPA Ratio 1.31%
ACL / Loans 1.07%

Capital & Liquidity

CET1 Ratio 15.27%
Tier 1 Capital 15.27%
Total Capital Ratio 16.34%
Leverage Ratio 13.23%
Loan-to-Deposit 97.68%

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