The American National Bank of Texas: how it compares with its peers
Against 29 TX banks with half to twice its assets, The American National Bank of Texas's strongest measure in Q2 2026 is assets per employee ($9.1M vs. a $9.5M peer median). Its weakest relative measure is net interest margin (2.85% vs. 3.87%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.63% | 1.57% | Bottom third Ahead of 14% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.85% | 3.87% | Bottom third Ahead of 7% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 74.79% | 57.43% | Bottom third Ahead of 21% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.1M | $9.5M | Middle third Ahead of 45% of peers |
| Loans to deposits Net loans and leases over total deposits. | 72.97% | 77.65% | Context |
What it means for lending operations
Its efficiency ratio of 74.79% is above the 57.43% 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
- Broadway National Bank San Antonio, TX · $5.42B
- City Bank Lubbock, TX · $5.39B
- Vantage Bank Texas San Antonio, TX · $5.14B
- First National Bank Texas Killeen, TX · $4.64B
- VeraBank, National Association Henderson, TX · $4.58B
- International Bank of Commerce Brownsville, TX · $4.56B
Questions about The American National Bank of Texas
How big is The American National Bank of Texas?
The American National Bank of Texas, established in 1981, is headquartered in Terrell, TX. It reported $5.51B in total assets in its Q2 2026 FDIC call report and operates 28 offices.
What is The American National Bank of Texas's return on assets?
0.63% annualized in Q2 2026, against a 1.57% median for 29 TX banks with half to twice its assets, ahead of 14% of them.
What is The American National Bank of Texas's efficiency ratio?
74.79% in Q2 2026: it spent about 75 cents in noninterest expense for each dollar of revenue. The peer median is 57.43%, and lower is better.
Is The American National Bank of Texas growing its loans?
Net loans grew 4.7% over the year to Q2 2026, while deposits shrank 2.3%.
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.