American First National Bank
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Data as of · sourced from FFIEC call reports. How we update
American First National Bank is an FDIC-insured commercial bank headquartered in Houston, TX, established in 1998 (FDIC certificate 34656), and it is supervised by the OCC. At Q2 2026 it reported total assets of $2.89B, up 0.8% from Q2 2025, the 35th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 16.38% 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
- 34656
- Headquarters
- Houston, TX
- Established
- 1998
- Total assets, Q2 2026
- $2.89B
- Assets vs Q2 2025
- +0.8%
- CET1 ratio, Q2 2026
- 16.38%
- Domestic offices
- 20 FDIC institution directory, current count
- Routing number
- 113024106
- Latest call report
- Q2 2026, FFIEC 051 · American First National Bank call report
- Holding company
- AFNB HOLDINGS, INC.
- Asset rank in state
- 35th of 346 in Texas
American First National Bank runs leaner than most banks of its size. Based in Houston, Texas, it had $2.9 billion in assets at June 30, 2026. It spends about 41 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). On the other hand, it pays an average of 3.00% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 2.01%).
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 0.42% of loans from 1.65%. Its $923 million non-owner-occupied commercial real estate book is improving, with 0.62% past due or on nonaccrual, down from 1.40% a year earlier.
As of June 30, 2026, American First National Bank reported a CET1 capital ratio of 16.38%, a return on assets of 1.87%, a nonperforming-loan ratio of 0.42% and a Texas ratio of 4.77%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, American First National Bank is the 35th largest of the 346 banks headquartered in Texas. From Q1 2026 to Q2 2026, its total assets rose 0.7% to $2.89B, loans rose 1.4% and deposits rose 0.2%. Owner-occupied commercial real estate loans made up 41.6% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 38.3%. The FDIC Summary of Deposits lists 20 offices for it, in 17 cities across 3 states; its Houston 3 offices book 33% of its branch deposits. Judged on its Q2 2026 call report, American First National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 9999 Bellaire Blvd, Houston, TX 77036
- County
- Harris
- Metro Area
- Houston-Pasadena-The Woodlands, 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 18, 1998
- Domestic offices
- 20 FDIC institution directory, current count
- Employees (FTE)
- 244
- Domestic deposits
- $2.44B
- Allowance for credit losses
- $25.7M
- Net charge-offs (YTD)
- $913K
- Average total assets
- $2.87B
- Average total loans
- $2.40B
- Average interest-bearing deposits
- $2.06B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 18, 1998
- FDIC Cert
- 34656
- Fed RSSD
- 2694681
- SEC CIK
- 1419511 → filed by AFNB HOLDINGS, INC.
- Website
- www.afnb.com →
- Parent Holding Company
- AFNB HOLDINGS, INC. (RSSD 3472176)
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
Over the 12 quarters to Q2 2026, American First National Bank's total assets ran between $2.58B (Q3 2023) and $2.89B (Q3 2025), 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
$2.89B total assets against $2.86B; $2.48B total liabilities against $2.49B.
$2.39B net loans and leases against $2.39B; $2.44B total deposits against $2.45B.
$93.3M securities against $91.6M; $345.6M cash and balances due against $333.3M.
$47.2M total interest income against $47.9M; $18.2M total interest expense against $19.9M.
$28.9M net interest income against $28.0M.
$608K total noninterest income against $629K; $12.2M total noninterest expense against $10.9M.
$369K provision for credit losses against $562K.
$13.4M net income against $13.5M.
1.87% return on assets against 1.91%; 4.12% net interest margin against 4.04%.
16.38% CET1 capital ratio against 14.82%; 14.38% tier 1 leverage ratio against 13.17%.
Inside the full American First National Bank 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 First National Bank rankings
Its closest position to the top of a national ranking is 227 of 3,606, for efficiency ratio; its furthest is 765 of 980, for uninsured deposits.
Metric pages for American First National Bank: Efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.79% (Q4 2025) to 2.42% (Q1 2026) and its net interest margin ran from 3.66% (Q3 2024) to 4.92% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.38% | 1.87% | 0.42% | 4.77% | 4.12% |
| Q1 2026 | 16.10% | 2.42% | 0.31% | 4.41% | 4.92% |
| Q4 2025 | 15.27% | 0.79% | 1.42% | 9.29% | 4.07% |
| Q3 2025 | 15.64% | 1.92% | 1.43% | 9.22% | 4.13% |
| Q2 2025 | 14.82% | 1.91% | 1.65% | 10.03% | 4.04% |
| Q1 2025 | 14.15% | 1.79% | 1.33% | 8.39% | 3.89% |
| Q4 2024 | 13.90% | 0.85% | 1.18% | 7.74% | 3.81% |
| Q3 2024 | 14.23% | 1.39% | 1.29% | 8.11% | 3.66% |
Swipe the table sideways to see every column.
Branch Network
View all 20 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 First National Bank (main office) | Houston , TX | 77036 | $508.5M |
| First Colony Branch | Missouri City , TX | 77459 | $232.0M |
| City of Industry Branch | City Of Industry , CA | 91748 | $222.6M |
| Las Vegas Sahara Branch | Las Vegas , NV | 89146 | $178.0M |
| Long Point Branch | Houston , TX | 77055 | $166.9M |
| Alhambra Branch | Alhambra , CA | 91801 | $154.3M |
| Richardson Branch | Richardson , TX | 75081 | $152.4M |
| Harwin Branch | Houston , TX | 77036 | $134.8M |
| American First National Bank - Plano Branch | Plano , TX | 75074 | $102.9M |
| Katy Branch | Katy , TX | 77450 | $100.6M |
| Pahrump Branch | Pahrump , NV | 89048 | $99.3M |
| Garland Branch | Garland , TX | 75042 | $88.6M |
| Plano Branch | Plano , TX | 75074 | $65.6M |
| Harry Hines Branch | Dallas , TX | 75229 | $49.4M |
| Henderson Branch | Henderson , NV | 89052 | $39.5M |
| Arlington Branch | Arlington , TX | 76010 | $38.8M |
| Arcadia Branch | Arcadia , CA | 91007 | $38.8M |
| Sugar Land Branch | Sugar Land , TX | 77478 | $31.6M |
| American First National Bank-Carrollton Branch | Carrollton , TX | 75007 | $28.4M |
| Amargosa Valley Branch | Amargosa Valley , NV | 89020 | $6.5M |
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 |
|---|---|---|---|
| September 30, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| September 30, 2011 | Structure Change | Acquired First International Bank Failure, Government Assistance Provided 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 75 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $5.5M approved, $1.8M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (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 First National Bank
What are American First National Bank's total assets?
As of the Q2 2026 filing, American First National Bank reported total assets of $2.89 billion in its FFIEC call report.
Where is American First National Bank headquartered?
It is headquartered in Houston, TX, United States.
When was American First National Bank founded?
It was established in 1998, per the FDIC institution directory.
Is American First National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34656). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American First National Bank?
American First National Bank's primary federal regulator is the OCC.
What is American First National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.38% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does American First National Bank operate?
It operates 20 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American First National Bank's Texas Ratio?
Its Texas Ratio is 4.77% 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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