AMERICAN BANK NATIONAL ASSOCIATION

WACO, TX | Medium | Est. June 11, 1982, midnight | FDIC #23886 | RSSD #307361 | OCC
Latest Report: 2025-12-31

AMERICAN BANK NATIONAL ASSOCIATION is amn medium FDIC-insured commercial bank headquartered in WACO, TX, established in June 11, 1982, midnight. As of 2025-12-31, the bank reported total assets of $625M and total deposits of $560M. Profitability stands at 1.63% ROA and 16.35% ROE, with a net interest margin of 4.20%. The bank's CET1 capital ratio is 14.17%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.07%. FDIC Certificate #23886.

Assets

$625M

Deposits

$560M

Loans

$475M

Equity

$63M

Profitability

Return on Assets (ROA) 1.63%
Return on Equity (ROE) 16.35%
Net Interest Margin (NIM) 4.20%
Yield on Assets 6.07%
Cost of Funds 1.91%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.07%
NPA Ratio 0.01%
ACL / Loans 1.15%

Capital & Liquidity

CET1 Ratio 14.17%
Tier 1 Capital 14.17%
Total Capital Ratio 15.42%
Leverage Ratio 10.05%
Loan-to-Deposit 84.72%

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