BlastPoint's Banking Scorecard
American Bank, National Association
Community
Specialty: Commercial
TX
FDIC cert 21567
Dallas, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
American Bank, National Association has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.42% above tier
- + Efficiency Ratio 27.13% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.63% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$700.0M
+25.6% YoY
+7.3% QoQ
|
-$691.4M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
27% |
| Total Loans ? |
$520.6M
+32.9% YoY
+7.8% QoQ
|
-$454.9M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$592.5M
+30.0% YoY
+8.2% QoQ
|
-$572.1M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
1.64%
+15.1% YoY
-2.2% QoQ
|
+0.47% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
5.09%
-2.4% YoY
+0.6% QoQ
|
+1.42% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
35.51%
-15.2% YoY
-2.2% QoQ
|
-27.13% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
0.20%
-59.8% YoY
+33.9% QoQ
|
-0.43% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
87.86%
+2.2% YoY
-0.4% QoQ
|
+4.80% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
13.35%
+1.2% YoY
+5.1% QoQ
|
-7.70% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.15%
-57.5% YoY
+34.4% QoQ
|
-0.35% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
71% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.11%
-26.8% YoY
+45.3% QoQ
|
-0.63% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 5%
in Community
Why this stands out
Current:
5.09%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Top 2%
in Community
Why this stands out
Current:
35.51%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 4%
in Community
Why this stands out
Current:
0.11%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Efficiency Ratio
Current: 35.51% · Tier avg: 62.63%
95
95th pctile
Net Interest Margin
Current: 5.09% · Tier avg: 3.66%
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
70
70th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
41
41th pctile
Loan-to-Deposit Ratio
Current: 87.86% · Tier avg: 83.06%
34
34th pctile
Total Loans
Current: $520.6M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Total Assets
Current: $700.0M · Tier avg: $1.4B
27
27th pctile
Total Deposits
Current: $592.5M · Tier avg: $1.2B
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.35% · Tier avg: 21.05%
4
4th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.74%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.74%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.35% · Tier avg: 21.05%
27
27th pctile
Total Deposits
Current: $592.5M · Tier avg: $1.2B
27
27th pctile
Total Assets
Current: $700.0M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
34
34th pctile
Total Loans
Current: $520.6M · Tier avg: $975.5M
41
41th pctile
Loan-to-Deposit Ratio
Current: 87.86% · Tier avg: 83.06%
70
70th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
95
95th pctile
Net Interest Margin
Current: 5.09% · Tier avg: 3.66%
98
98th pctile
Efficiency Ratio
Current: 35.51% · Tier avg: 62.63%