BanksAMERICAN BANK NATIONAL ASSOCIATION

AMERICAN BANK NATIONAL ASSOCIATION

WACO, TXMediumEst. June 11, 1982, midnightFDIC #23886RSSD #307361OCC
Latest · 2025-12-31

AMERICAN BANK NATIONAL ASSOCIATION is an 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%. CET1 capital ratio: 14.17%, well above regulatory minimums. NPL ratio: 0.01% · Texas Ratio: 0.07%. Operates 4 domestic branches.

Assets
$625M
Deposits
$560M
Loans
$475M
Equity
$63M

Profitability

Return on Assets (ROA)1.63%
Return on Equity (ROE)16.35%
Net Interest Margin4.20%
Yield on Assets6.07%
Cost of Funds1.91%

Asset Quality

NPL Ratio0.01%
Net Charge-Off Ratio0.00%
Texas Ratio0.07%
NPA Ratio0.01%
ACL / Loans1.15%

Capital & Liquidity

CET1 Ratio14.17%
Tier 1 Capital14.17%
Total Capital Ratio15.42%
Leverage Ratio10.05%
Loan-to-Deposit84.72%

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