American First National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 7.25 percentage points lower than in Q1 2026, at 167.79%. Within Texas, American First National Bank is 83rd of 345 on return on assets, 1.87% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. American First National Bank sits 0.59 points higher, at 1.87% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.38% |
| Tier 1 risk-based capital ratio | 16.38% |
| Total risk-based capital ratio | 17.44% |
| Tier 1 leverage ratio | 14.38% |
| Equity capital to assets | 14.24% |
| Tangible equity to tangible assets | 14.24% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.63% |
| Non-performing assets ratio | 0.90% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 5.95% |
| Allowance for credit losses to loans | 1.07% |
| Reserve coverage of non-performing loans | 167.79% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.87% |
| Return on equity | 13.28% |
| Net interest margin | 4.12% |
| Efficiency ratio | 41.18% |
| Yield on earning assets | 6.72% |
| Cost of funds | 3.00% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.85% |
| Core deposits to total deposits | 65.52% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.53% |
| Securities to assets | 3.23% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.04% | 14.04% | 15.10% | 12.68% | 1.90% |
| Q4 2023 | 13.45% | 13.45% | 14.44% | 12.34% | 0.72% |
| Q1 2024 | 13.69% | 13.69% | 14.70% | 12.72% | 1.50% |
| Q2 2024 | 13.89% | 13.89% | 14.88% | 12.80% | 1.44% |
| Q3 2024 | 14.23% | 14.23% | 15.26% | 12.81% | 1.39% |
| Q4 2024 | 13.90% | 13.90% | 14.90% | 12.45% | 0.85% |
| Q1 2025 | 14.15% | 14.15% | 15.15% | 12.98% | 1.79% |
| Q2 2025 | 14.82% | 14.82% | 15.84% | 13.17% | 1.91% |
| Q3 2025 | 15.64% | 15.64% | 16.68% | 13.43% | 1.92% |
| Q4 2025 | 15.27% | 15.27% | 16.34% | 13.23% | 0.79% |
| Q1 2026 | 16.10% | 16.10% | 17.18% | 13.97% | 2.42% |
| Q2 2026 | 16.38% | 16.38% | 17.44% | 14.38% | 1.87% |
American First National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American First National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full American First National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34656) · FFIEC NIC profile (RSSD 2694681)