American Bank, National Association: how it compares with its peers
Against 129 TX banks with half to twice its assets, American Bank, National Association's strongest measure in Q2 2026 is return on assets (1.63% vs. a 1.42% peer median). Its weakest relative measure is net interest margin (4.14% vs. 4.20%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.63% | 1.42% | Middle third Ahead of 60% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.14% | 4.20% | Middle third Ahead of 47% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.93% | 61.07% | Middle third Ahead of 52% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $7.8M | Middle third Ahead of 52% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.29% | 77.24% | Context |
What it means for lending operations
Its efficiency ratio of 59.93% is better than the 61.07% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- NBT Financial Bank Fort Worth, TX · $619M
- American State Bank Arp, TX · $638M
- The State National Bank of Big Spring Big Spring, TX · $640M
- First Federal Community Bank, SSB Paris, TX · $604M
- Dominion Bank Dallas, TX · $647M
- Community Bank & Trust, Waco, Texas Waco, TX · $649M
Questions about American Bank, National Association
How big is American Bank, National Association?
American Bank, National Association, established in 1982, is headquartered in Waco, TX. It reported $625M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is American Bank, National Association's return on assets?
1.63% annualized in Q2 2026, against a 1.42% median for 129 TX banks with half to twice its assets, ahead of 60% of them.
What is American Bank, National Association's efficiency ratio?
59.93% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 61.07%, and lower is better.
Is American Bank, National Association growing its loans?
Net loans grew 3.4% over the year to Q2 2026, while deposits grew 1.2%.
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.