BlastPoint's Banking Scorecard
The American National Bank of Texas
Mid-Market
Specialty: Commercial
TX
FDIC cert 23474
Designations: ✓ Community bank
Terrell, TX
201
banks in Mid-Market tier nationally
14 in TX
View Mid-Market leaderboard (TX) →
The American National Bank of Texas has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 20% in Mid-Market
- + Loan-to-Deposit Ratio 34.96% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 11% in Mid-Market
- - Credit Risk Growth: Bottom 24% in Mid-Market
- - Return on Assets 0.76% below tier
- - Efficiency Ratio 20.92% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.9B
+24.8% YoY
+24.4% QoQ
|
-$3.6B |
$10.5B
+2.9% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
30% |
| Total Loans ? |
$3.3B
+5.6% YoY
-0.2% QoQ
|
-$3.8B |
$7.1B
+4.5% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$6.5B
+24.5% YoY
+36.1% QoQ
|
-$2.0B |
$8.5B
+3.0% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
0.40%
-6.5% YoY
+2.3% QoQ
|
-0.76% |
1.16%
+9.4% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
2.64%
+7.0% YoY
-1.7% QoQ
|
-0.75% |
3.40%
+7.9% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
18% |
| Efficiency Ratio ? |
77.53%
+2.0% YoY
-0.6% QoQ
|
+20.92% |
56.60%
-3.2% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
0.18%
+80.9% YoY
+95.0% QoQ
|
-0.51% |
0.68%
+12.0% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 12% in tier |
| Loan-to-Deposit Ratio ? |
50.51%
-15.2% YoY
-26.7% QoQ
|
-34.96% |
85.47%
+1.1% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.47%
-23.2% YoY
-26.8% QoQ
|
+4.83% |
20.64%
-0.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.09%
+70.5% YoY
+28.1% QoQ
|
-0.40% |
0.50%
+7.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 12% in tier |
| Tier 1 Capital Ratio ? |
11.90%
-5.5% YoY
-2.1% QoQ
|
-1.65% |
13.55%
+1.8% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.49%
-15.5% YoY
+10.0% QoQ
|
-0.46% |
0.96%
+7.1% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
32% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#11 of 50 · Top 20% in Mid-Market
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.18%
(Tier: 0.68%, National: 0.66%)
50 of 50 Mid-Market banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Top 4%
in Mid-Market
Why this stands out
Current:
50.51%
(Tier avg: 85.47%, National avg: 78.04%)
Concerns (4)
Credit Quality Pressure
risk
#13 of 113 · Bottom 11% in Mid-Market
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.18%
(Tier: 0.68%, National: 0.66%)
113 of 113 Mid-Market banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#22 of 87 · Bottom 24% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
Return on Assets
metric
Bottom 10%
in Mid-Market
Why this stands out
Current:
0.40%
(Tier avg: 1.16%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 6%
in Mid-Market
Why this stands out
Current:
77.53%
(Tier avg: 56.60%, National avg: 65.09%)
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: 50.51% · Tier avg: 85.47%
88
88th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.68%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 25.47% · Tier avg: 20.64%
45
45th pctile
Total Deposits
Current: $6.5B · Tier avg: $8.5B
32
32th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.96%
30
30th pctile
Total Assets
Current: $6.9B · Tier avg: $10.5B
29
29th pctile
Tier 1 Capital Ratio
Current: 11.90% · Tier avg: 13.55%
18
18th pctile
Net Interest Margin
Current: 2.64% · Tier avg: 3.40%
10
10th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.16%
8
8th pctile
Total Loans
Current: $3.3B · Tier avg: $7.1B
6
6th pctile
Efficiency Ratio
Current: 77.53% · Tier avg: 56.60%
Top Weaknesses
6
6th pctile
Efficiency Ratio
Current: 77.53% · Tier avg: 56.60%
8
8th pctile
Total Loans
Current: $3.3B · Tier avg: $7.1B
10
10th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.16%
18
18th pctile
Net Interest Margin
Current: 2.64% · Tier avg: 3.40%
29
29th pctile
Tier 1 Capital Ratio
Current: 11.90% · Tier avg: 13.55%
30
30th pctile
Total Assets
Current: $6.9B · Tier avg: $10.5B
32
32th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.96%
45
45th pctile
Total Deposits
Current: $6.5B · Tier avg: $8.5B
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 25.47% · Tier avg: 20.64%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
88
88th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.68%
96
96th pctile
Loan-to-Deposit Ratio
Current: 50.51% · Tier avg: 85.47%