Anahuac National Bank
BankRegReports is independent of Anahuac National Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Anahuac National Bank is an FDIC-insured commercial bank headquartered in Anahuac, TX, established in 1976 (FDIC certificate 22381), and it is supervised by the OCC. At Q2 2026 it reported total assets of $266.4M, up 2.6% from Q2 2025, the 228th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.08% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 22381
- Headquarters
- Anahuac, TX
- Established
- 1976
- Total assets, Q2 2026
- $266.4M
- Assets vs Q2 2025
- +2.6%
- Tier 1 leverage ratio, Q2 2026
- 10.08%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 113107162
- Latest call report
- Q2 2026, FFIEC 051 · Anahuac National Bank call report
- Holding company
- ANAHUAC BANCSHARES, INC.
- Asset rank in state
- 228th of 346 in Texas
Problem loans are rising at Anahuac National Bank. Its balance sheet stood at $266 million at June 30, 2026, up 2.6% from a year earlier; it is based in Anahuac, Texas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.37% of loans from 0.04% a year earlier. It returns 27.6% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 0.82% on its deposits and borrowings, about half the median of 1.80% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $17 million equal 62% of Tier 1 capital, down from 88% a year earlier. The commercial and industrial book ($19 million) is worsening: 2.24% of it is past due or on nonaccrual, up from 0.33% a year earlier. Costs are the weak spot: it spends about 71 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Anahuac National Bank reported a return on assets of 0.99%, a nonperforming-loan ratio of 0.37% and a Texas ratio of 2.42%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Anahuac National Bank is the 228th largest of the 346 banks headquartered in Texas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 9.5% to $266.4M, loans fell 3.4% and deposits fell 10.3%. 1-4 family residential loans made up 24.2% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 23.8%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in TX; its Anahuac office books 49% of its branch deposits. Judged on its Q2 2026 call report, Anahuac National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 801 Ross Sterling Ave, Anahuac, TX 77514
- County
- Chambers
- Metro Area
- Houston-Pasadena-The Woodlands, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 20, 1976
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 36
- Domestic deposits
- $255.1M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- $32K
- Average total assets
- $273.7M
- Average total loans
- $88.9M
- Average interest-bearing deposits
- $187.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 20, 1976
- FDIC Cert
- 22381
- Fed RSSD
- 424352
- Website
- WWW.ANBANK.NET →
- Parent Holding Company
- ANAHUAC BANCSHARES, INC. (RSSD 2622116)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Anahuac National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Anahuac National Bank's total assets ranged from $233.5M (Q4 2024) to $294.3M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$266.4M total assets against $259.8M; $255.9M total liabilities against $256.8M.
$83.0M net loans and leases against $85.7M; $255.1M total deposits against $256.0M.
$136.2M securities against $137.5M; $32.7M cash and balances due against $21.8M.
$2.9M total interest income against $3.0M; $551K total interest expense against $796K.
$2.4M net interest income against $2.2M.
$327K total noninterest income against $332K; $2.0M total noninterest expense against $1.8M.
$30K provision for credit losses against $30K.
$676K net income against $664K.
0.99% return on assets against 0.97%; 3.55% net interest margin against 3.17%.
10.08% tier 1 leverage ratio against 9.37%.
Inside the full Anahuac National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAnahuac National Bank rankings
Its closest position to the top of a national ranking is 2,078 of 3,640, for Texas Ratio; its furthest is 2,836 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.15% (Q4 2024) to 0.99% (Q2 2026) and its net interest margin ran from 2.83% (Q4 2024) to 3.55% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.08% | 0.99% | 0.37% | 2.42% | 3.55% |
| Q1 2026 | 9.13% | 0.91% | 0.11% | 0.85% | 3.46% |
| Q4 2025 | 10.23% | 0.84% | 0.11% | 0.80% | 3.35% |
| Q3 2025 | 10.37% | 0.90% | 0.05% | 0.42% | 3.31% |
| Q2 2025 | 9.37% | 0.97% | 0.04% | 0.58% | 3.17% |
| Q1 2025 | 8.66% | 0.44% | 0.02% | 0.49% | 2.98% |
| Q4 2024 | 10.27% | 0.15% | 0.05% | 1.25% | 2.83% |
| Q3 2024 | 13.64% | 0.16% | 0.04% | 0.24% | 2.94% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Anahuac National Bank (main office) | Anahuac , TX | 77514 | $124.9M |
| Barbers Hill Banking Center Branch | Mont Belvieu , TX | 77523 | $72.9M |
| East Chambers County Bank Branch | Winnie , TX | 77665 | $36.2M |
| Hardin Bank Branch | Liberty , TX | 77575 | $20.2M |
| Barbers Hill Bank Heb Branch | Baytown , TX | 77523 | $933K |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 2 against individuals associated with it
- April 4, 2000, OCC: Formal Agreement: Anahuac National Bank
- Period: Most recent institution action April 4, 2000. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 265 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $147K approved, $147K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Anahuac National Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Anahuac National Bank
What are Anahuac National Bank's total assets?
As of the Q2 2026 filing, Anahuac National Bank reported total assets of $266.4 million in its FFIEC call report.
Where is Anahuac National Bank headquartered?
It is headquartered in Anahuac, TX, United States.
When was Anahuac National Bank founded?
It was established in 1976, per the FDIC institution directory.
Is Anahuac National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22381). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Anahuac National Bank?
Anahuac National Bank's primary federal regulator is the OCC.
How many branches does Anahuac National Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Anahuac National Bank's Texas Ratio?
Its Texas Ratio is 2.42% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Anahuac National Bank.
Get an email when Anahuac National Bank files its next call report, and benchmark it against any peer you choose.
Unlock Anahuac National Bank, freeFree account