American Bank N.A.
BankRegReports is independent of American Bank N.A. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
American Bank N.A. is an FDIC-insured commercial bank headquartered in Waco, TX, established in 1982 (FDIC certificate 23886), and it is supervised by the OCC. At Q2 2026 it reported total assets of $625.2M, up 1.9% from Q2 2025, the 137th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 14.59% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 23886
- Headquarters
- Waco, TX
- Established
- 1982
- Total assets, Q2 2026
- $625.2M
- Assets vs Q2 2025
- +1.9%
- CET1 ratio, Q2 2026
- 14.59%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 111900604
- Latest call report
- Q2 2026, FFIEC 051 · American Bank N.A. call report
- Holding company
- AMERICAN NATIONAL BANCSHARES, INC.
- Asset rank in state
- 137th of 346 in Texas
American Bank N.A., based in Waco, Texas, reported $625 million in assets at June 30, 2026, up 1.9% from a year earlier. It carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $2.6 million, 47% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.01% of loans from 0.39%.
As of June 30, 2026, American Bank N.A. reported a CET1 capital ratio of 14.59%, a return on assets of 1.65%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.07%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, American Bank N.A. is the 137th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.5% to $625.2M, loans rose 0.7% and deposits fell 0.8%. 1-4 family residential loans made up 36.9% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 20.5%. The FDIC Summary of Deposits lists 4 offices for it, in Waco, TX. Judged on its Q2 2026 call report, American Bank N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 200 W State Highway 6, Waco, TX 76712
- County
- Mclennan
- Metro Area
- Waco, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 11, 1982
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 80
- Domestic deposits
- $557.1M
- Allowance for credit losses
- $5.5M
- Net charge-offs (YTD)
- -$6K
- Average total assets
- $621.2M
- Average total loans
- $485.2M
- Average interest-bearing deposits
- $403.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 11, 1982
- FDIC Cert
- 23886
- Fed RSSD
- 307361
- Website
- www.am.bank →
- Parent Holding Company
- AMERICAN NATIONAL BANCSHARES, INC. (RSSD 1110045)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
American Bank N.A.'s total assets moved between a low of $596.4M (Q3 2024) and a high of $634.7M (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$625.2M total assets against $613.3M; $559.3M total liabilities against $552.6M.
$480.7M net loans and leases against $464.7M; $557.1M total deposits against $550.4M.
$38.9M securities against $40.4M; $82.3M cash and balances due against $87.2M.
$8.6M total interest income against $8.1M; $2.4M total interest expense against $2.8M.
$6.2M net interest income against $5.3M.
$396K total noninterest income against $383K; $4.0M total noninterest expense against $3.9M.
$81K provision for credit losses against $45K.
$2.6M net income against $1.7M.
1.65% return on assets against 1.16%; 4.18% net interest margin against 3.65%.
14.59% CET1 capital ratio against 14.14%; 10.86% tier 1 leverage ratio against 10.30%.
Inside the full American Bank N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
American Bank N.A. rankings
Its closest position to the top of a national ranking is 998 of 3,611, for ROA; its furthest is 3,266 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.02% (Q3 2024) to 1.72% (Q3 2025) and its net interest margin ran from 3.40% (Q3 2024) to 4.18% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.59% | 1.65% | 0.01% | 0.07% | 4.18% |
| Q1 2026 | 14.55% | 1.61% | 0.04% | 0.31% | 3.98% |
| Q4 2025 | 14.17% | 1.62% | 0.06% | 0.41% | 3.97% |
| Q3 2025 | 14.21% | 1.72% | 0.38% | 2.64% | 3.74% |
| Q2 2025 | 14.14% | 1.16% | 0.39% | 2.75% | 3.65% |
| Q1 2025 | 14.06% | 1.04% | 0.54% | 3.84% | 3.54% |
| Q4 2024 | 13.42% | 1.18% | 0.55% | 4.16% | 3.57% |
| Q3 2024 | 13.66% | 1.02% | 0.64% | 4.66% | 3.40% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| American Bank, National Association | Waco , TX | 76712 | $331.5M |
| Bellmead Branch | Waco , TX | 76705 | $105.5M |
| Downtown Branch | Waco , TX | 76701 | $96.4M |
| Woodway Branch | Waco , TX | 76712 | $23.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 1, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 1987 | Structure Change | Acquired The American Bank of Waco Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 176 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 140 applications, 119 loans originated, $46.2M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows American Bank N.A.’s latest filed figures and updates each quarter.
Similar banks
Compare American Bank N.A. with peers
Frequently asked about American Bank N.A.
What are American Bank N.A.'s total assets?
As of the Q2 2026 filing, American Bank N.A. reported total assets of $625.2 million in its FFIEC call report.
Where is American Bank N.A. headquartered?
It is headquartered in Waco, TX, United States.
When was American Bank N.A. founded?
It was established in 1982, per the FDIC institution directory.
Is American Bank N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23886). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Bank N.A.?
American Bank N.A.'s primary federal regulator is the OCC.
What is American Bank N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.59% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does American Bank N.A. operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Bank N.A.'s Texas Ratio?
Its Texas Ratio is 0.07% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on American Bank N.A.
Get an email when American Bank N.A. files its next call report, and benchmark it against any peer you choose.
Unlock American Bank N.A., freeFree account