American Nation 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: 8.30 percentage points lower than in Q1 2026, at 2654.87%. American Nation Bank ranks 82nd of 169 Oklahoma banks on return on assets, in the upper half at 1.49% (Q2 2026). American Nation Bank reported 1.49% on return on assets for Q2 2026, 0.24 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.31% |
| Equity capital to assets | 9.54% |
| Tangible equity to tangible assets | 9.54% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.06% |
| Non-performing assets ratio | 0.70% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 6.61% |
| Allowance for credit losses to loans | 1.51% |
| Reserve coverage of non-performing loans | 2654.87% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.49% |
| Return on equity | 15.90% |
| Net interest margin | 3.95% |
| Efficiency ratio | 63.63% |
| Yield on earning assets | 6.13% |
| Cost of funds | 2.35% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.03% |
| Core deposits to total deposits | 79.90% |
| Brokered deposits to total deposits | 2.06% |
| Deposits to assets | 83.54% |
| Securities to assets | 21.73% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.38% | 1.50% | 3.42% | 1.84% | -0.66% |
| Q4 2023 | 9.34% | 1.11% | 3.18% | 1.54% | 0.01% |
| Q1 2024 | 9.47% | 1.48% | 3.23% | 0.84% | -0.18% |
| Q2 2024 | 9.41% | 1.40% | 3.33% | 0.57% | -0.02% |
| Q3 2024 | 9.54% | 1.33% | 3.32% | 0.48% | 0.16% |
| Q4 2024 | 9.52% | 1.10% | 3.29% | 0.10% | 0.05% |
| Q1 2025 | 9.83% | 1.39% | 3.41% | 0.67% | 0.01% |
| Q2 2025 | 9.73% | 1.52% | 3.62% | 0.10% | -0.00% |
| Q3 2025 | 9.87% | 1.56% | 3.69% | 0.05% | 0.29% |
| Q4 2025 | 10.03% | 1.54% | 3.85% | 0.04% | 0.05% |
| Q1 2026 | 10.12% | 1.55% | 3.74% | 0.06% | -0.01% |
| Q2 2026 | 10.31% | 1.49% | 3.95% | 0.06% | 0.00% |
American Nation Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American Nation 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 Nation Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24472) · FFIEC NIC profile (RSSD 256058)