American Nation Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Nation Bank of Ardmore, OK against its peer group of 2603 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 | 1.49% | 1.34% | +0.15% | 62nd above |
| ROAE | 15.90% | 13.32% | +2.58% | 71st above |
| Net Interest Margin | 3.95% | 3.93% | +0.02% | 50th above |
| Efficiency Ratio | 63.63% | 61.13% | +2.50% | 43rd below |
| PPNR / Avg Assets | 1.49% | 1.68% | -0.19% | 44th below |
| Yield on Earning Assets | 6.13% | 5.67% | +0.46% | 74th above |
| Cost of Funds | 2.35% | 1.88% | +0.47% | 20th bottom |
| Net Interest Spread | 3.27% | 3.32% | -0.05% | 47th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 0.94% | -0.88% | 77th top |
| NPA / Total Assets | 0.70% | 0.70% | +0.00% | 30th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.51% | 1.28% | +0.23% | 79th top |
| ACL / NPLs (Coverage) | 2654.87% | 1545.31% | +1109.56% | — |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.61% | 7.34% | -0.73% | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.31% | 12.14% | -1.83% | 38th below |
| Equity / Assets | 9.54% | 11.37% | -1.83% | 37th below |
| TCE / Tangible Assets | 9.54% | 11.08% | -1.54% | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.03% | 80.66% | +3.37% | 42nd below |
| Core Deposit Ratio | 79.90% | 86.85% | -6.95% | 16th bottom |
| Wholesale Funding Ratio | 6.22% | 5.03% | +1.19% | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.06% | 6.85% | -5.79% | 26th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.42% | 7.92% | -1.50% | 57th above |
| Deposit Growth (Y/Y) | -0.36% | 6.29% | -6.65% | 21st bottom |
See American Nation Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Nation 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 Nation Bank profile, how to read a UBPR, or how this data updates.