BlastPoint's Banking Scorecard
American National Bank & Trust
Community
Specialty: Commercial
TX
FDIC cert 22373
Wichita Falls, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
American National Bank & Trust has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.47% above tier
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 24% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.4B
+7.2% YoY
+4.4% QoQ
|
+$1.1B |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 15% in tier |
| Total Loans ? |
$1.9B
+6.1% YoY
+4.0% QoQ
|
+$892.3M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$2.2B
+6.9% YoY
+5.1% QoQ
|
+$1.0B |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
0.90%
+25.3% YoY
-0.2% QoQ
|
-0.26% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
3.04%
+12.1% YoY
+1.6% QoQ
|
-0.63% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
69.55%
-3.6% YoY
+1.1% QoQ
|
+6.92% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
28% |
| Delinquency Rate ? |
1.02%
-4.2% YoY
-16.0% QoQ
|
+0.39% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
85.81%
-0.7% YoY
-1.0% QoQ
|
+2.75% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
13.48%
-20.5% YoY
-11.4% QoQ
|
-7.56% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.91%
+11.0% YoY
-2.1% QoQ
|
+0.41% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
12.54%
+1.7% YoY
-0.9% QoQ
|
+2.29% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
1.21%
+17.8% YoY
+29.7% QoQ
|
+0.47% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 10%
in Community
Why this stands out
Current:
1.21%
(Tier avg: 0.74%, National avg: 0.65%)
Concerns (1)
NIB Deposit Bleed
decline
#22 of 89 · Bottom 24% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
13.48%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
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
90
90th pctile
Non-Interest Income / Assets
Current: 1.21% · Tier avg: 0.74%
87
87th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M
87
87th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
85
85th pctile
Total Assets
Current: $2.4B · Tier avg: $1.4B
53
53th pctile
Tier 1 Capital Ratio
Current: 12.54% · Tier avg: 10.24%
47
47th pctile
Loan-to-Deposit Ratio
Current: 85.81% · Tier avg: 83.06%
31
31th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.16%
28
28th pctile
Efficiency Ratio
Current: 69.55% · Tier avg: 62.63%
25
25th pctile
Delinquency Rate
Current: 1.02% · Tier avg: 0.63%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.91% · Tier avg: 0.50%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.48% · Tier avg: 21.05%
19
19th pctile
Net Interest Margin
Current: 3.04% · Tier avg: 3.66%
Top Weaknesses
19
19th pctile
Net Interest Margin
Current: 3.04% · Tier avg: 3.66%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.48% · Tier avg: 21.05%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.91% · Tier avg: 0.50%
25
25th pctile
Delinquency Rate
Current: 1.02% · Tier avg: 0.63%
28
28th pctile
Efficiency Ratio
Current: 69.55% · Tier avg: 62.63%
31
31th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.16%
47
47th pctile
Loan-to-Deposit Ratio
Current: 85.81% · Tier avg: 83.06%
53
53th pctile
Tier 1 Capital Ratio
Current: 12.54% · Tier avg: 10.24%
85
85th pctile
Total Assets
Current: $2.4B · Tier avg: $1.4B
87
87th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
87
87th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M
90
90th pctile
Non-Interest Income / Assets
Current: 1.21% · Tier avg: 0.74%