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 Dallas, TX against its peer group of 2672 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 | 1.90% | 1.34% | +0.56% | 82nd top |
| ROAE | 17.81% | 13.31% | +4.50% | 79th top |
| Net Interest Margin | 4.96% | 3.93% | +1.03% | 91st top |
| Efficiency Ratio | 32.19% | 61.16% | -28.97% | 99th top |
| PPNR / Avg Assets | 3.48% | 1.68% | +1.80% | 98th top |
| Yield on Earning Assets | 8.09% | 5.67% | +2.42% | 99th top |
| Cost of Funds | 3.37% | 1.88% | +1.49% | 2nd bottom |
| Net Interest Spread | 4.34% | 3.32% | +1.02% | 92nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.29% | 0.94% | -0.65% | 58th above |
| NPA / Total Assets | 0.21% | 0.70% | -0.49% | 58th above |
| NCO / Avg Loans | 1.20% | 0.16% | +1.04% | 3rd bottom |
| ACL / Total Loans | 1.35% | 1.28% | +0.07% | 68th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 459.79% | 1539.56% | -1079.77% | 69th above |
| Texas Ratio | 1.98% | 7.34% | -5.36% | 63rd above |
| Provision / NCO | 108.66% | 1396.96% | -1288.30% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.75% | 12.14% | -1.39% | 46th below |
| Equity / Assets | 10.26% | 11.38% | -1.12% | 49th below |
| TCE / Tangible Assets | 9.84% | 11.09% | -1.25% | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.09% | 80.63% | +4.46% | 40th below |
| Core Deposit Ratio | 80.30% | 86.87% | -6.57% | 17th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.88% | 5.03% | -1.15% | 47th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 20.68% | 6.84% | +13.84% | 95th top |
| Loan Growth (Y/Y) | 24.41% | 7.89% | +16.52% | 95th top |
| Deposit Growth (Y/Y) | 23.39% | 6.28% | +17.11% | 96th top |
See American Bank, N.A.'s peers by name
The 2672 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.