TellerScore

Headquartered in Dallas, Texas, American Bank, National Association is a national bank with $773.8M in total assets and $659.8M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1974.

American Bank, National Association has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 129th. Problem-loan coverage contributes the most (96/100, 1.8%); funding & liquidity contributes the least (58/100, 84% loans-to-deposits, 31% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.75%
Loan quality91/100
Noncurrent loans ÷ total loans: 0.28%
Earnings92/100
Return on assets (annualized): 1.80%
Funding & liquidity58/100
Loans ÷ deposits and uninsured-deposit share: 83.9% · 31.2% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.84%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 77).

TellerScore
707477Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202471
Q4 202472
Q1 202577
Q2 202576
Q3 202576
Q4 202575
Q1 202677
Q2 202677
Tier 1 leverage ratio
5.00%8.19%11.37%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.37%
Q3 202411.23%
Q4 202411.10%
Q1 202511.08%
Q2 202510.60%
Q3 202510.79%
Q4 202510.61%
Q1 202610.77%
Q2 202610.75%
Noncurrent loans
0.09%0.32%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.55%
Q3 20240.49%
Q4 20240.48%
Q1 20250.09%
Q2 20250.16%
Q3 20250.14%
Q4 20250.19%
Q1 20260.25%
Q2 20260.28%
Return on assets
1.15%1.47%1.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.15%
Q3 20241.36%
Q4 20241.42%
Q1 20251.53%
Q2 20251.65%
Q3 20251.67%
Q4 20251.64%
Q1 20261.76%
Q2 20261.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$773.8M10.75%0.28%1.80%83.9%
Q1 202677$722.7M10.77%0.25%1.76%88.6%
Q4 202575$700.0M10.61%0.19%1.64%87.9%
Q3 202576$652.1M10.79%0.14%1.67%88.2%
Q2 202576$641.2M10.60%0.16%1.65%83.2%
Q1 202577$632.2M11.08%0.09%1.53%82.9%
Q4 202472$557.3M11.10%0.48%1.42%85.9%
Q3 202471$549.4M11.23%0.49%1.36%86.2%
Q2 202470$508.5M11.37%0.55%1.15%84.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.75%
46th
Total risk-based capital0.00%
24th
Problem loans0.28%
58th
Net charge-offs1.20%
2nd
Return on assets1.80%
80th
Net interest margin4.83%
89th
Efficiency ratio33.3%
99th
Loans to deposits83.9%
41st
Uninsured deposits31.2%
25th
Loan-loss reserves1.35%
68th
Texas ratio1.8%
59th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Schertz Bank & TrustBank Schertz, TX90 out of 100, Very strong$770.1M15.2%0.05%vs
Sage Capital Bank,Bank Gonzales, TX76 out of 100, Strong$768.9M10.4%0.01%vs
Liberty Capital BankBank Addison, TX73 out of 100, Strong$767.9M10.9%0.07%vs
Commerce BankBank Laredo, TX87 out of 100, Very strong$762.5M12.3%0.03%vs
First State BankBank Athens, TX74 out of 100, Strong$761.7M11.4%0.80%vs
First Community BankBank San Benito, TX81 out of 100, Strong$794.4M10.4%0.01%vs

Deposit insurance

Is my money safe at American Bank, National Association?

Yes. American Bank, National Association is an FDIC-insured institution (FDIC certificate #21567). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.2% of deposits ($205.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.75%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

American Bank, National Association lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
American Bank, National Association
Former names
Pan American National Bank of Dallas
Type
National bank
FDIC certificate #
21567
RSSD ID
494654
Primary regulator
OCC
Holding company
Bright Force Holding Inc
Established
May 2, 1974
Headquarters
2707 W Northwest Hwy, Dallas, TX 75220
Employees
53

Quick answers

American Bank, National Association: common questions

Is American Bank, National Association FDIC insured?

Yes. American Bank, National Association is an FDIC-insured institution (FDIC certificate #21567). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is American Bank, National Association's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has American Bank, National Association ever failed?

There is no failure record for FDIC certificate #21567 in the FDIC failed bank list.

How many branches does American Bank, National Association have?

3 offices as of the latest FDIC data.

Nearby

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