BlastPoint's Banking Scorecard
The American National Bank of Mount Pleasant
Micro
Specialty: Commercial
TX
FDIC cert 22942
Designations: ✓ Community bank
Mount Pleasant, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The American National Bank of Mount Pleasant shows strong momentum with 2 strengths and 8.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.26% above tier
- + Non-Interest-Bearing Deposit Share 14.49% above 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 ? |
$141.9M
+8.5% YoY
-1.4% QoQ
|
-$75.6M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
35% |
| Total Loans ? |
$91.0M
+11.4% YoY
+2.4% QoQ
|
-$48.1M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$127.5M
+8.7% YoY
-2.3% QoQ
|
-$56.2M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
1.86%
-8.1% YoY
-5.1% QoQ
|
+0.78% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
5.11%
+8.0% YoY
+0.8% QoQ
|
+1.26% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
60.94%
+4.7% YoY
-0.8% QoQ
|
-6.79% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
65% |
| Delinquency Rate ? |
0.06%
-75.9% YoY
-86.0% QoQ
|
-0.58% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
71.43%
+2.5% YoY
+4.8% QoQ
|
-3.10% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
36.88%
+0.7% YoY
-2.8% QoQ
|
+14.49% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
0.04%
-75.3% YoY
-92.9% QoQ
|
-0.42% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.70%
+2.6% YoY
+44.0% QoQ
|
+0.14% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 8%
in Micro
Why this stands out
Current:
5.11%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 10%
in Micro
Why this stands out
Current:
36.88%
(Tier avg: 22.39%, National avg: 21.79%)
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
92
92th pctile
Net Interest Margin
Current: 5.11% · Tier avg: 3.85%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.88% · Tier avg: 22.39%
87
87th pctile
Return on Assets
Current: 1.86% · Tier avg: 1.08%
83
83th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.56%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
74
74th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.64%
65
65th pctile
Efficiency Ratio
Current: 60.94% · Tier avg: 67.73%
59
59th pctile
Loan-to-Deposit Ratio
Current: 71.43% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
39
39th pctile
Total Loans
Current: $91.0M · Tier avg: $139.2M
38
38th pctile
Total Deposits
Current: $127.5M · Tier avg: $183.7M
35
35th pctile
Total Assets
Current: $141.9M · Tier avg: $217.5M
Top Weaknesses
35
35th pctile
Total Assets
Current: $141.9M · Tier avg: $217.5M
38
38th pctile
Total Deposits
Current: $127.5M · Tier avg: $183.7M
39
39th pctile
Total Loans
Current: $91.0M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Loan-to-Deposit Ratio
Current: 71.43% · Tier avg: 74.53%
65
65th pctile
Efficiency Ratio
Current: 60.94% · Tier avg: 67.73%
74
74th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.64%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
83
83th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.56%
87
87th pctile
Return on Assets
Current: 1.86% · Tier avg: 1.08%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.88% · Tier avg: 22.39%
92
92th pctile
Net Interest Margin
Current: 5.11% · Tier avg: 3.85%