BlastPoint's Banking Scorecard
Anahuac National Bank
Micro
Specialty: Other
TX
FDIC cert 22381
Designations: ✓ Community bank
Anahuac, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Anahuac National Bank shows strong momentum with 1 strength and 21.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 39.27% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$284.0M
+21.6% YoY
+11.8% QoQ
|
+$66.5M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$85.2M
-0.9% YoY
+2.2% QoQ
|
-$54.0M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$241.7M
+7.7% YoY
+3.1% QoQ
|
+$58.0M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
0.79%
+32.4% YoY
-0.7% QoQ
|
-0.30% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
3.40%
+5.1% YoY
-1.8% QoQ
|
-0.45% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
74.57%
-6.9% YoY
+0.9% QoQ
|
+6.84% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
29% |
| Delinquency Rate ? |
0.12%
+135.5% YoY
+108.5% QoQ
|
-0.52% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
35.26%
-8.0% YoY
-0.9% QoQ
|
-39.27% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.88%
-6.4% YoY
-1.3% QoQ
|
+6.49% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.03%
+91.9% YoY
+90.5% QoQ
|
-0.42% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? |
19.47%
+4.5% YoY
-3.1% QoQ
|
+10.62% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 15% in tier |
| Non-Interest Income / Assets ? |
0.46%
-19.0% YoY
+19.4% QoQ
|
-0.10% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
35.26%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (0)
No concerns identified
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
96
96th pctile
Loan-to-Deposit Ratio
Current: 35.26% · Tier avg: 74.53%
85
85th pctile
Tier 1 Capital Ratio
Current: 19.47% · Tier avg: 8.85%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 28.88% · Tier avg: 22.39%
69
69th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.64%
69
69th pctile
Total Deposits
Current: $241.7M · Tier avg: $183.7M
69
69th pctile
Total Assets
Current: $284.0M · Tier avg: $217.5M
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
36
36th pctile
Total Loans
Current: $85.2M · Tier avg: $139.2M
32
32th pctile
Return on Assets
Current: 0.79% · Tier avg: 1.08%
30
30th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.85%
29
29th pctile
Efficiency Ratio
Current: 74.57% · Tier avg: 67.73%
Top Weaknesses
29
29th pctile
Efficiency Ratio
Current: 74.57% · Tier avg: 67.73%
30
30th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.85%
32
32th pctile
Return on Assets
Current: 0.79% · Tier avg: 1.08%
36
36th pctile
Total Loans
Current: $85.2M · Tier avg: $139.2M
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
69
69th pctile
Total Assets
Current: $284.0M · Tier avg: $217.5M
69
69th pctile
Total Deposits
Current: $241.7M · Tier avg: $183.7M
69
69th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.64%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 28.88% · Tier avg: 22.39%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
85
85th pctile
Tier 1 Capital Ratio
Current: 19.47% · Tier avg: 8.85%
96
96th pctile
Loan-to-Deposit Ratio
Current: 35.26% · Tier avg: 74.53%