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American Bank, National Association
Waco, TX · FDIC Certificate #23886 · Chartered 06/1
Total assets
$625.22M
Total deposits
$557.11M
Total equity
$65.89M
Net loans
$480.71M
Branches (offices)
4
Net income (YTD)
$5.12M
Rank: #1,508 of 4,213 U.S. banks by assets · #137 of 346 in Texas. Assets changed 1.9% and deposits 1.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.63% |
| Return on equity | 15.86% |
| Net interest margin (YTD) | 4.14% |
| Equity to assets | 10.54% |
| Tier 1 leverage ratio | 10.86% |
| Uninsured deposits (share of deposits) | 39.6% |
| Noncurrent loans (share of loans) | 0.01% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 86.3% |
| Real estate loans (share of loans) | 87.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $421.98M | 87.8% | |
| Commercial & industrial | $51.46M | 10.7% | |
| Consumer / individual | $3.58M | 0.7% | |
| Construction & development | $59.69M | 12.4% | |
| Agricultural | $2.51M | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $622.53M | $555.37M | $2.79M | $49.99M |
| Jun 2023 | $614.84M | $558.03M | $3.65M | $53.97M |
| Jun 2024 | $598.00M | $538.48M | $2.18M | $56.80M |
| Jun 2025 | $613.30M | $550.40M | $3.30M | $60.75M |
| Jun 2026 | $625.22M | $557.11M | $5.12M | $65.89M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $557.11M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $557.11M.
Similar-sized banks
Scale Bank ($626.68M) · Tioga State Bank National Association ($625.19M)
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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