American Bank, N.A. (Dallas, TX)
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Data as of · sourced from FFIEC call reports. How we update
American Bank, N.A. is an FDIC-insured commercial bank headquartered in Dallas, TX, established in 1974 (FDIC certificate 21567), and it is supervised by the OCC. At Q2 2026 it reported total assets of $773.8M, up 20.7% from Q2 2025, the 112th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.75% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 21567
- Headquarters
- Dallas, TX
- Established
- 1974
- Total assets, Q2 2026
- $773.8M
- Assets vs Q2 2025
- +20.7%
- Tier 1 leverage ratio, Q2 2026
- 10.75%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 111005774
- Latest call report
- Q2 2026, FFIEC 051 · American Bank, N.A. call report
- Holding company
- BRIGHT FORCE HOLDING, INC.
- Asset rank in state
- 112th of 346 in Texas
American Bank, N.A. runs leaner than most banks of its size. It reported $774 million in assets at June 30, 2026, up 20.7% from a year earlier. It spends about 32 cents to bring in each dollar of revenue, about half the median of 61 cents for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 4.96 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
Net income for the quarter rose 26% from a year earlier, to $3.5 million. The non-owner-occupied commercial real estate book ($249 million) is worsening: 2.25% of it is past due or on nonaccrual, up from 1.40% a year earlier. Funding is the softer spot: it pays an average of 3.37% on its deposits and borrowings, about double the median of 1.80% for banks its size.
As of June 30, 2026, American Bank, N.A. reported a return on assets of 1.90%, a nonperforming-loan ratio of 0.28% and a Texas ratio of 1.92%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, American Bank, N.A. is the 112th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 7.1% to $773.8M, loans rose 2.2% and deposits rose 7.9%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 44.3% of total loans, followed by auto loans at 16.6%. The FDIC Summary of Deposits lists 3 offices for it, in Dallas, TX, Irving, TX and Frisco, TX; its Dallas office books 52% of its branch deposits. By the capital ratios in its Q2 2026 call report, American Bank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2707 W Northwest Hwy, Dallas, TX 75220
- County
- Dallas
- Metro Area
- Dallas-Fort Worth-Arlington, 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
- May 2, 1974
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 53
- Domestic deposits
- $659.8M
- Allowance for credit losses
- $7.6M
- Net charge-offs (YTD)
- $3.3M
- Average total assets
- $729.0M
- Average total loans
- $563.0M
- Average interest-bearing deposits
- $538.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 2, 1974
- FDIC Cert
- 21567
- Fed RSSD
- 494654
- SEC CIK
- 1930563 → filed by BRIGHT FORCE HOLDING, INC.
- Website
- abdallas.bank →
- Parent Holding Company
- BRIGHT FORCE HOLDING, INC. (RSSD 5164448)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, American Bank, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, American Bank, N.A.'s total assets ranged from $451.3M (Q4 2023) to $773.8M (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
$773.8M total assets against $641.2M; $694.5M total liabilities against $573.7M.
$553.8M net loans and leases against $445.1M; $659.8M total deposits against $534.7M.
$49.0M securities against $38.9M; $133.8M cash and balances due against $120.7M.
$14.1M total interest income against $12.6M; $5.5M total interest expense against $5.3M.
$8.7M net interest income against $7.3M.
$725K total noninterest income against $132K; $3.1M total noninterest expense against $2.8M.
$2.0M provision for credit losses against $1.2M.
$3.5M net income against $2.7M.
1.90% return on assets against 1.75%; 4.96% net interest margin against 4.88%.
10.75% tier 1 leverage ratio against 10.60%.
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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
American Bank, N.A. rankings
Its closest position to the top of a national ranking is 61 of 3,606, for efficiency ratio; its furthest is 2,289 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.55% (Q4 2025) to 1.90% (Q2 2026) and its net interest margin ran from 4.86% (Q1 2026) to 5.63% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.75% | 1.90% | 0.28% | 1.92% | 4.96% |
| Q1 2026 | 10.77% | 1.80% | 0.25% | 1.68% | 4.86% |
| Q4 2025 | 10.61% | 1.55% | 0.19% | 1.32% | 5.17% |
| Q3 2025 | 10.79% | 1.72% | 0.14% | 0.96% | 5.04% |
| Q2 2025 | 10.60% | 1.75% | 0.16% | 1.06% | 4.88% |
| Q1 2025 | 11.08% | 1.58% | 0.09% | 0.57% | 5.23% |
| Q4 2024 | 11.10% | 1.58% | 0.48% | 2.98% | 5.05% |
| Q3 2024 | 11.23% | 1.74% | 0.49% | 3.15% | 5.63% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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, N.A. (main office) | Dallas , TX | 75220 | $344.9M |
| Macarthur Branch | Irving , TX | 75063 | $214.8M |
| Frisco Branch | Frisco , TX | 75034 | $100.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 153 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 6 loans, $7.6M approved, $1.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 $773.8 million in its FFIEC call report.
Where is American Bank, N.A. headquartered?
It is headquartered in Dallas, TX, United States.
When was American Bank, N.A. founded?
It was established in 1974, per the FDIC institution directory.
Is American Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #21567). 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.
How many branches does American Bank, N.A. operate?
It operates 3 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 1.92% 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.
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