American Bank of Commerce: how it compares with its peers
Against 74 TX banks with half to twice its assets, American Bank of Commerce's strongest measure in Q2 2026 is assets per employee ($10.9M vs. a $8.6M peer median). Its weakest relative measure is net interest margin (3.50% vs. 3.96%).
| Measure | American Bank of Commerce | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.04% | 1.48% | Bottom third Ahead of 23% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.50% | 3.96% | Bottom third Ahead of 22% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.55% | 58.21% | Middle third Ahead of 42% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.9M | $8.6M | Top third Ahead of 71% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.42% | 80.49% | Context |
What it means for lending operations
Its efficiency ratio of 59.55% is above the 58.21% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First State Bank Gainesville, TX · $1.85B
- FirstBank Southwest Amarillo, TX · $1.88B
- North Dallas Bank & Trust Co. Dallas, TX · $1.81B
- First National Bank of Central Texas Waco, TX · $1.77B
- Commercial Bank of Texas, National Association Nacogdoches, TX · $1.69B
- First State Bank of Uvalde Uvalde, TX · $1.68B
Questions about American Bank of Commerce
How big is American Bank of Commerce?
American Bank of Commerce, established in 1962, is headquartered in Wolfforth, TX. It reported $1.86B in total assets in its Q2 2026 FDIC call report and operates 13 offices.
What is American Bank of Commerce's return on assets?
1.04% annualized in Q2 2026, against a 1.48% median for 74 TX banks with half to twice its assets, ahead of 23% of them.
What is American Bank of Commerce's efficiency ratio?
59.55% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 58.21%, and lower is better.
Is American Bank of Commerce growing its loans?
Net loans grew 33.4% over the year to Q2 2026, while deposits grew 5.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.