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American Bank, National Association
Dallas, TX · FDIC Certificate #21567 · Chartered 05/0
Total assets
$773.83M
Total deposits
$659.83M
Total equity
$79.37M
Net loans
$553.85M
Branches (offices)
3
Net income (YTD)
$6.59M
Rank: #1,286 of 4,213 U.S. banks by assets · #112 of 346 in Texas. Assets changed 20.7% and deposits 23.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.80% |
| Return on equity | 17.28% |
| Net interest margin (YTD) | 4.83% |
| Equity to assets | 10.26% |
| Tier 1 leverage ratio | 10.75% |
| Uninsured deposits (share of deposits) | 31.2% |
| Noncurrent loans (share of loans) | 0.28% |
| Net charge-offs (share of loans) | 1.20% |
| Loans to deposits | 83.9% |
| Real estate loans (share of loans) | 55.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $307.18M | 55.5% | |
| Commercial & industrial | $84.33M | 15.2% | |
| Consumer / individual | $102.43M | 18.5% | |
| Construction & development | $22.00M | 4.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $258.93M | $209.47M | $1.83M | $48.38M |
| Jun 2023 | $417.10M | $326.89M | $3.00M | $51.98M |
| Jun 2024 | $508.53M | $412.23M | $2.80M | $57.44M |
| Jun 2025 | $641.24M | $534.73M | $5.03M | $67.55M |
| Jun 2026 | $773.83M | $659.83M | $6.59M | $79.37M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $659.83M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $659.83M.
Similar-sized banks
Industrial Bank ($774.25M) · Cfsbank ($773.38M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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