American Bank N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Bank N.A. of Waco, TX against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.65% | 1.34% | +0.31% | 71st above |
| ROAE | 15.68% | 13.32% | +2.36% | 70th above |
| Net Interest Margin | 4.18% | 3.93% | +0.25% | 63rd above |
| Efficiency Ratio | 59.95% | 61.13% | -1.18% | 54th above |
| PPNR / Avg Assets | 1.70% | 1.68% | +0.02% | 57th above |
| Yield on Earning Assets | 5.76% | 5.67% | +0.09% | 57th above |
| Cost of Funds | 1.71% | 1.88% | -0.17% | 56th above |
| Net Interest Spread | 3.45% | 3.32% | +0.13% | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.94% | -0.93% | 84th top |
| NPA / Total Assets | 0.01% | 0.70% | -0.69% | 85th top |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 82nd top |
| ACL / Total Loans | 1.14% | 1.28% | -0.14% | 43rd below |
| ACL / NPLs (Coverage) | 11291.84% | 1539.66% | +9752.18% | — |
| Texas Ratio | 0.07% | 7.34% | -7.27% | 88th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.59% | 19.49% | -4.90% | 45th below |
| Tier 1 Ratio | 14.59% | 19.52% | -4.93% | 45th below |
| Total Capital Ratio | 15.84% | 20.61% | -4.77% | 46th below |
| Leverage Ratio | 10.86% | 12.14% | -1.28% | 48th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.54% | 11.37% | -0.83% | 53rd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.54% | 11.08% | -0.54% | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.28% | 80.66% | +6.62% | 35th below |
| Core Deposit Ratio | 89.39% | 86.85% | +2.54% | 52nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.94% | 6.84% | -4.90% | 32nd below |
| Loan Growth (Y/Y) | 3.45% | 7.92% | -4.47% | 39th below |
| Deposit Growth (Y/Y) | 1.22% | 6.29% | -5.07% | 30th below |
See American Bank N.A.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Bank N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full American Bank N.A. profile, how to read a UBPR, or how this data updates.