American First National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American First National Bank of Houston, TX against its peer group of 931 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 | 1.87% | 1.46% | +0.41% | 83rd top |
| ROAE | 13.28% | 12.72% | +0.56% | 58th above |
| Net Interest Margin | 4.12% | 3.85% | +0.27% | 76th top |
| Efficiency Ratio | 41.18% | 57.42% | -16.24% | 92nd top |
| PPNR / Avg Assets | 2.42% | 1.88% | +0.54% | 86th top |
| Yield on Earning Assets | 6.72% | 5.72% | +1.00% | 93rd top |
| Cost of Funds | 3.00% | 2.01% | +0.99% | 8th bottom |
| Net Interest Spread | 3.20% | 3.18% | +0.02% | 59th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.63% | 1.00% | -0.37% | 49th below |
| NPA / Total Assets | 0.90% | 0.76% | +0.14% | 28th below |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 67th above |
| ACL / Total Loans | 1.07% | 1.31% | -0.24% | 38th below |
| ACL / NPLs (Coverage) | 167.79% | 543.78% | -375.99% | 47th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.95% | 7.39% | -1.44% | 42nd below |
| Provision / NCO | 105.48% | 619.28% | -513.80% | 36th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.38% | 17.34% | -0.96% | 80th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.38% | 17.37% | -0.99% | 80th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.44% | 18.42% | -0.98% | 79th top |
| Leverage Ratio | 14.38% | 11.43% | +2.95% | 91st top |
| Equity / Assets | 14.24% | 11.33% | +2.91% | 91st top |
| TCE / Tangible Assets | 14.24% | 10.50% | +3.74% | 92nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.85% | 86.94% | +11.91% | 20th bottom |
| Core Deposit Ratio | 65.52% | 85.58% | -20.06% | 6th bottom |
| Uninsured Deposit Ratio | 22.72% | 33.13% | -10.41% | 78th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.77% | 9.69% | -8.92% | 20th bottom |
| Loan Growth (Y/Y) | -0.01% | 8.06% | -8.07% | 17th bottom |
| Deposit Growth (Y/Y) | -0.56% | 7.88% | -8.44% | 16th bottom |
See American First National Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American First National Bank, 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 First National Bank profile, how to read a UBPR, or how this data updates.