BlastPoint's Banking Scorecard
American First National Bank
Community
Specialty: Commercial
TX
FDIC cert 34656
Houston, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
American First National Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 14% in Community
- - Non-Interest Income / Assets 0.66% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.9B
+5.3% YoY
-0.3% QoQ
|
+$1.5B |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 10% in tier |
| Total Loans ? |
$2.4B
-0.2% YoY
+0.9% QoQ
|
+$1.4B |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$2.5B
+4.6% YoY
-0.2% QoQ
|
+$1.3B |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
1.60%
+23.8% YoY
-14.6% QoQ
|
+0.44% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
4.09%
+9.5% YoY
+0.5% QoQ
|
+0.42% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
47.65%
-9.0% YoY
+20.4% QoQ
|
-14.98% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
1.44%
+20.1% YoY
-0.6% QoQ
|
+0.81% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
96.64%
-4.6% YoY
+1.1% QoQ
|
+13.58% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
15.12%
-9.3% YoY
+0.5% QoQ
|
-5.93% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
26% |
| Nonperforming Asset Ratio ? |
1.31%
+26.1% YoY
+0.1% QoQ
|
+0.81% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 13% in tier |
| Tier 1 Capital Ratio ? |
15.27%
+9.8% YoY
-2.4% QoQ
|
+5.02% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.08%
-9.2% YoY
+25.5% QoQ
|
-0.66% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Liquidity Strain
risk
#74 of 513 · Bottom 14% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
96.64%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Non-Interest Income / Assets
metric
Bottom 3%
in Community
Why this stands out
Current:
0.08%
(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
93
93th pctile
Total Loans
Current: $2.4B · Tier avg: $975.5M
90
90th pctile
Total Deposits
Current: $2.5B · Tier avg: $1.2B
90
90th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B
88
88th pctile
Efficiency Ratio
Current: 47.65% · Tier avg: 62.63%
78
78th pctile
Return on Assets
Current: 1.60% · Tier avg: 1.16%
78
78th pctile
Tier 1 Capital Ratio
Current: 15.27% · Tier avg: 10.24%
73
73th pctile
Net Interest Margin
Current: 4.09% · Tier avg: 3.66%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.12% · Tier avg: 21.05%
19
19th pctile
Loan-to-Deposit Ratio
Current: 96.64% · Tier avg: 83.06%
17
17th pctile
Delinquency Rate
Current: 1.44% · Tier avg: 0.63%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.31% · Tier avg: 0.50%
3
3th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.74%
Top Weaknesses
3
3th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.74%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.31% · Tier avg: 0.50%
17
17th pctile
Delinquency Rate
Current: 1.44% · Tier avg: 0.63%
19
19th pctile
Loan-to-Deposit Ratio
Current: 96.64% · Tier avg: 83.06%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.12% · Tier avg: 21.05%
73
73th pctile
Net Interest Margin
Current: 4.09% · Tier avg: 3.66%
78
78th pctile
Tier 1 Capital Ratio
Current: 15.27% · Tier avg: 10.24%
78
78th pctile
Return on Assets
Current: 1.60% · Tier avg: 1.16%
88
88th pctile
Efficiency Ratio
Current: 47.65% · Tier avg: 62.63%
90
90th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B
90
90th pctile
Total Deposits
Current: $2.5B · Tier avg: $1.2B
93
93th pctile
Total Loans
Current: $2.4B · Tier avg: $975.5M