American First National Bank: how it compares with its peers
Against 48 TX banks with half to twice its assets, American First National Bank's strongest measure in Q2 2026 is efficiency ratio (38.11% vs. a 55.52% peer median). Its weakest relative measure is assets per employee ($11.8M vs. $9.1M).
| Measure | American First National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.13% | 1.59% | Top third Ahead of 88% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.55% | 3.86% | Top third Ahead of 85% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 38.11% | 55.52% | Top third Ahead of 94% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.8M | $9.1M | Top third Ahead of 74% of peers |
| Loans to deposits Net loans and leases over total deposits. | 97.79% | 76.02% | Context |
What it means for lending operations
Its efficiency ratio of 38.11% is better than the 55.52% 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
- West Texas National Bank Midland, TX · $2.88B
- Jefferson Bank San Antonio, TX · $2.88B
- American Momentum Bank College Station, TX · $2.85B
- Texas Regional Bank Harlingen, TX · $2.95B
- TIB National Association Farmers Branch, TX · $2.96B
- Susser Bank Dallas, TX · $2.99B
Questions about American First National Bank
How big is American First National Bank?
American First National Bank, established in 1998, is headquartered in Houston, TX. It reported $2.89B in total assets in its Q2 2026 FDIC call report and operates 20 offices.
What is American First National Bank's return on assets?
2.13% annualized in Q2 2026, against a 1.59% median for 48 TX banks with half to twice its assets, ahead of 88% of them.
What is American First National Bank's efficiency ratio?
38.11% in Q2 2026: it spent about 38 cents in noninterest expense for each dollar of revenue. The peer median is 55.52%, and lower is better.
Is American First National Bank growing its loans?
Net loans grew 0.0% over the year to Q2 2026, while deposits shrank 0.6%.
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.