The American National Bank of Texas: Peer Group Comparison
BankRegReports is independent of The American National Bank of Texas and never asks for online banking logins or passwords.
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The American National Bank of Texas of Terrell, TX against its peer group of 895 similarly-sized US banks as of Q2 2026. The peer group is every US bank in the same asset tier (banks with $1B to $10B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 0.68% | 1.29% | -0.61% | 13th worst quarter |
| ROAE | 11.83% | 12.61% | -0.78% | 45th worse half |
| Net Interest Margin | 2.84% | 3.71% | -0.87% | 10th worst quarter |
| Efficiency Ratio | 74.10% | 58.32% | +15.78% | 88th worst quarter |
| PPNR / Avg Assets | 0.85% | 1.75% | -0.90% | 9th worst quarter |
| Yield on Earning Assets | 4.39% | 5.54% | -1.15% | 6th |
| Cost of Funds | 1.65% | 2.01% | -0.36% | 27th better half |
| Net Interest Spread | 1.92% | 3.09% | -1.17% | 6th worst quarter |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.23% | 0.52% | -0.29% | 24th best quarter |
| NPA / Total Assets | 0.14% | 0.41% | -0.27% | 21st best quarter |
| NCO / Avg Loans | 0.02% | 0.03% | -0.01% | 44th better half |
| ACL / Total Loans | 1.26% | 1.15% | +0.11% | 65th |
| ACL / NPLs (Coverage) | 543.63% | 204.05% | +339.58% | 80th best quarter |
| Texas Ratio | 2.27% | 3.58% | -1.31% | 34th better half |
| Provision / NCO | 270.27% | 173.21% | +97.06% | 61st |
| CRE / Total Capital | 255.69% | 223.76% | +31.93% | 64th worse half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 12.30% | 13.52% | -1.22% | 29th worse half |
| Tier 1 Ratio | 12.30% | 13.55% | -1.25% | 28th worse half |
| Total Capital Ratio | 13.55% | 14.66% | -1.11% | 31st worse half |
| Leverage Ratio | 8.84% | 10.52% | -1.68% | 9th worst quarter |
| Equity / Assets | 5.96% | 10.38% | -4.42% | 1st worst quarter |
| TCE / Tangible Assets | 5.56% | 9.80% | -4.24% | 1st worst quarter |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 73.90% | 88.15% | -14.25% | 20th |
| Core Deposit Ratio | 95.46% | 88.46% | +7.00% | 88th best quarter |
| Uninsured Deposit Ratio | 43.91% | 30.92% | +12.99% | 81st worst quarter |
| Borrowings / Total Assets | 9.72% | 3.92% | +5.80% | 84th worst quarter |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.00% | 5.46% | -5.46% | 14th |
| Loan Growth (Y/Y) | 4.78% | 5.90% | -1.12% | 44th |
| Deposit Growth (Y/Y) | -2.25% | 5.07% | -7.32% | 9th |
See The American National Bank of Texas's peers by name
The 895 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this 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 The American National Bank of Texas profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the The American National Bank of Texas peer analysis.