TellerScore

American Bank, National Association (FDIC certificate #23886) is based in Waco, Texas. Its Q2 2026 call report shows $625.2M in total assets and $557.1M in deposits and 4 offices.

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 131st. Loan quality contributes the most (100/100, 0.01%); funding & liquidity contributes the least (46/100, 86% loans-to-deposits, 40% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Tier 1 leverage ratio: 10.86%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.01%
Earnings85/100
Return on assets (annualized): 1.63%
Funding & liquidity46/100
Loans ÷ deposits and uninsured-deposit share: 86.3% · 39.6% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.07%

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

From Q2 2025 to Q2 2026, the score rose 10 points (67 → 77), mostly because the earnings component improved by 21 points.

TellerScore
606977Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202462
Q4 202463
Q1 202565
Q2 202567
Q3 202569
Q4 202572
Q1 202675
Q2 202677
Tier 1 leverage ratio
5.00%7.93%10.86%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.88%
Q3 202410.11%
Q4 20249.93%
Q1 202510.33%
Q2 202510.30%
Q3 202510.37%
Q4 202510.05%
Q1 202610.45%
Q2 202610.86%
Noncurrent loans
0.01%0.35%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.69%
Q3 20240.64%
Q4 20240.55%
Q1 20250.54%
Q2 20250.39%
Q3 20250.38%
Q4 20250.06%
Q1 20260.04%
Q2 20260.01%
Return on assets
0.72%1.17%1.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.72%
Q3 20240.81%
Q4 20240.91%
Q1 20251.03%
Q2 20251.09%
Q3 20251.30%
Q4 20251.39%
Q1 20261.63%
Q2 20261.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$625.2M10.86%0.01%1.63%86.3%
Q1 202675$628.1M10.45%0.04%1.63%85.0%
Q4 202572$625.2M10.05%0.06%1.39%83.7%
Q3 202569$634.7M10.37%0.38%1.30%83.1%
Q2 202567$613.3M10.30%0.39%1.09%84.4%
Q1 202565$602.9M10.33%0.54%1.03%84.3%
Q4 202463$599.7M9.93%0.55%0.91%86.9%
Q3 202462$596.4M10.11%0.64%0.81%85.9%
Q2 202460$598.0M9.88%0.69%0.72%85.7%

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 ratio10.86%
48th
Total risk-based capital15.84%
72nd
Problem loans0.01%
85th
Net charge-offs-0.00%
81st
Return on assets1.63%
73rd
Net interest margin4.14%
61st
Efficiency ratio59.9%
57th
Loans to deposits86.3%
35th
Uninsured deposits39.6%
11th
Loan-loss reserves1.14%
43rd
Texas ratio0.1%
87th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
NBT Financial BankBank Fort Worth, TX50 out of 100, Below average$618.7M10.9%2.29%vs
American State BankBank Arp, TX44 out of 100, Below average$637.8M10.9%2.03%vs
The State National Bank of Big SpringBank Big Spring, TX67 out of 100, Moderate$640.0M11.2%1.63%vs
First Federal Community Bank, SSBBank Paris, TX74 out of 100, Strong$603.6M13.1%0.75%vs
Dominion BankBank Dallas, TX62 out of 100, Moderate$647.4M11.2%0.73%vs
Community Bank & Trust, Waco, TexasBank Waco, TX90 out of 100, Very strong$649.1M15.5%0.21%vs

Deposit insurance

Is my money safe at American Bank, National Association?

Yes. American Bank, National Association is an FDIC-insured institution (FDIC certificate #23886). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 39.6% of deposits ($220.4M) 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 10.86%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.84% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

American Bank, National Association lists 4 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, American Bank, National Association reported 140 home-loan applications under HMDA (LEI 2549006VBLRP288VX853): 119 originated ($46,225,000 total), 4 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
American Bank, National Association
Former names
American National Bank
Type
National bank
FDIC certificate #
23886
RSSD ID
307361
Primary regulator
OCC
Holding company
American Natl Bancshares Inc
Established
June 11, 1982
Headquarters
200 W State Highway 6, Waco, TX 76712
Employees
80

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 #23886). 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 #23886 in the FDIC failed bank list.

How many branches does American Bank, National Association have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Waco

InstitutionScoreAssetsCapitalProblem loansCompare
Educators Credit UnionCredit union Waco, TX99 out of 100, Very strong$609.5M20.3%0.17%vs
Genco Federal Credit UnionCredit union Waco, TX96 out of 100, Very strong$494.7M14.3%0.19%vs
Matagorda County Credit UnionCredit union Bay City, TX94 out of 100, Very strong$36.2M17.4%0.31%vs
Acadiana Medical Federal Credit UnionCredit union Lafayette, LA92 out of 100, Very strong$13.5M25.5%0.00%vs
The First National Bank of MoodyBank Moody, TX92 out of 100, Very strong$54.2M18.3%0.00%vs
Community Bank & Trust, Waco, TexasBank Waco, TX90 out of 100, Very strong$649.1M15.5%0.21%vs