American National Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American National Bank & Trust of Wichita Falls, 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 | 1.08% | 1.46% | -0.38% | 34th below |
| ROAE | 10.67% | 12.72% | -2.05% | 37th below |
| Net Interest Margin | 3.27% | 3.85% | -0.58% | 25th below |
| Efficiency Ratio | 65.96% | 57.40% | +8.56% | 28th below |
| PPNR / Avg Assets | 1.48% | 1.88% | -0.40% | 36th below |
| Yield on Earning Assets | 5.91% | 5.72% | +0.19% | 72nd above |
| Cost of Funds | 2.90% | 2.02% | +0.88% | 10th bottom |
| Net Interest Spread | 2.48% | 3.18% | -0.70% | 19th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.83% | 1.00% | -0.17% | 39th below |
| NPA / Total Assets | 0.76% | 0.76% | +0.00% | 35th below |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 69th above |
| ACL / Total Loans | 1.08% | 1.31% | -0.23% | 41st below |
| ACL / NPLs (Coverage) | 131.32% | 543.77% | -412.45% | 39th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 7.37% | 7.39% | -0.02% | 33rd below |
| Provision / NCO | 5851.61% | 612.52% | +5239.09% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.66% | 17.34% | -4.68% | 36th below |
| Tier 1 Ratio | 12.66% | 17.37% | -4.71% | 36th below |
| Total Capital Ratio | 13.77% | 18.42% | -4.65% | 36th below |
| Leverage Ratio | 10.18% | 11.44% | -1.26% | 42nd below |
| Equity / Assets | 10.15% | 11.34% | -1.19% | 46th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.00% | 10.50% | -0.50% | 56th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.74% | 86.95% | -1.21% | 57th above |
| Core Deposit Ratio | 71.54% | 85.57% | -14.03% | 10th bottom |
| Uninsured Deposit Ratio | 39.33% | 33.12% | +6.21% | 28th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 9.14% | 9.68% | -0.54% | 73rd above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.97% | 8.06% | -0.09% | 64th above |
| Deposit Growth (Y/Y) | 9.09% | 7.87% | +1.22% | 72nd above |
See American National Bank & Trust's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American National Bank & Trust, 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 National Bank & Trust profile, how to read a UBPR, or how this data updates.