American First National Bank (FDIC certificate #34656) is based in Houston, Texas. Its Q2 2026 call report shows $2.9B in total assets and $2.4B in deposits and 20 offices across 3 states.
Based on its Q2 2026 filing, American First National Bank scores 87/100, which we describe as very strong. That is higher than 98% of 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 33rd. Its strongest component is earnings (100/100; 2.13%), and its lowest is funding & liquidity (54/100; 98% loans-to-deposits, 23% uninsured).
TellerScore · Q2 2026
Scorecard
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 16 points (71 → 87), mostly because the loan quality component improved by 41 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 70 |
| Q4 2024 | 69 |
| Q1 2025 | 73 |
| Q2 2025 | 71 |
| Q3 2025 | 74 |
| Q4 2025 | 71 |
| Q1 2026 | 87 |
| Q2 2026 | 87 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.80% |
| Q3 2024 | 12.81% |
| Q4 2024 | 12.45% |
| Q1 2025 | 12.98% |
| Q2 2025 | 13.17% |
| Q3 2025 | 13.43% |
| Q4 2025 | 13.23% |
| Q1 2026 | 13.97% |
| Q2 2026 | 14.38% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.34% |
| Q3 2024 | 1.29% |
| Q4 2024 | 1.18% |
| Q1 2025 | 1.33% |
| Q2 2025 | 1.65% |
| Q3 2025 | 1.43% |
| Q4 2025 | 1.42% |
| Q1 2026 | 0.31% |
| Q2 2026 | 0.42% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.47% |
| Q3 2024 | 1.44% |
| Q4 2024 | 1.29% |
| Q1 2025 | 1.79% |
| Q2 2025 | 1.85% |
| Q3 2025 | 1.88% |
| Q4 2025 | 1.60% |
| Q1 2026 | 2.40% |
| Q2 2026 | 2.13% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 87 | $2.9B | 14.38% | 0.42% | 2.13% | 97.8% |
| Q1 2026 | 87 | $2.9B | 13.97% | 0.31% | 2.40% | 96.6% |
| Q4 2025 | 71 | $2.9B | 13.23% | 1.42% | 1.60% | 96.6% |
| Q3 2025 | 74 | $2.9B | 13.43% | 1.43% | 1.88% | 95.6% |
| Q2 2025 | 71 | $2.9B | 13.17% | 1.65% | 1.85% | 97.3% |
| Q1 2025 | 73 | $2.8B | 12.98% | 1.33% | 1.79% | 99.1% |
| Q4 2024 | 69 | $2.7B | 12.45% | 1.18% | 1.29% | 101.3% |
| Q3 2024 | 70 | $2.8B | 12.81% | 1.29% | 1.44% | 97.9% |
| Q2 2024 | 70 | $2.7B | 12.80% | 1.34% | 1.47% | 101.0% |
897 peers · $1 billion – $10 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).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| West Texas National BankBank Midland, TX | 60 out of 100, Moderate | $2.9B | 10.5% | 1.67% | vs |
| Jefferson BankBank San Antonio, TX | 61 out of 100, Moderate | $2.9B | 9.8% | 0.75% | vs |
| American Momentum BankBank College Station, TX | 57 out of 100, Moderate | $2.8B | 19.2% | 3.52% | vs |
| Texas Regional BankBank Harlingen, TX | 53 out of 100, Below average | $2.9B | 8.8% | 0.59% | vs |
| TIB National AssociationBank Farmers Branch, TX | 76 out of 100, Strong | $3.0B | 13.2% | 0.84% | vs |
| Susser BankBank Dallas, TX | 65 out of 100, Moderate | $3.0B | 10.1% | 0.42% | vs |
Deposit insurance
Is my money safe at American First National Bank?
Yes. American First National Bank is an FDIC-insured institution (FDIC certificate #34656). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.7% of deposits ($554.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.38%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.44% (benchmark: 10%).
20 locations
Branches
American First National Bank lists 20 offices in 17 cities across 3 states. Most locations:
- Houston, TX (3)
- Plano, TX (2)
- Alhambra, CA (1)
- Amargosa Valley, NV (1)
- Arcadia, CA (1)
- Arlington, TX (1)
- Carrollton, TX (1)
- City Of Industry, CA (1)
- Dallas, TX (1)
- Garland, TX (1)
- Henderson, NV (1)
- Katy, TX (1)
HMDA 2025
Mortgage lending
In 2025, American First National Bank reported 30 home-loan applications under HMDA (LEI 549300B190GPYLAX3Y92): 28 originated ($39,720,000 total), 1 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.4%, 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 First National Bank
- Type
- National bank
- FDIC certificate #
- 34656
- RSSD ID
- 2694681
- Primary regulator
- OCC
- Holding company
- Afnb Holdings Inc
- Established
- May 18, 1998
- Headquarters
- 9999 Bellaire Blvd, Houston, TX 77036
- Website
- www.afnb.com
- Employees
- 244
Quick answers
American First National Bank: common questions
Is American First National Bank FDIC insured?
Yes. American First National Bank is an FDIC-insured institution (FDIC certificate #34656). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is American First National Bank's TellerScore?
87 out of 100 (Very 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 First National Bank ever failed?
There is no failure record for FDIC certificate #34656 in the FDIC failed bank list.
How many branches does American First National Bank have?
20 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Houston
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Local 24 Employees Federal Credit UnionCredit union Pasadena, TX | 98 out of 100, Very strong | $13.6M | 21.0% | 0.26% | vs |
| Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX | 96 out of 100, Very strong | $17.1M | 20.3% | 0.00% | vs |
| Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX | 96 out of 100, Very strong | $5.4M | 21.6% | 0.52% | vs |
| Schlumberger Employees Credit UnionCredit union Sugar Land, TX | 94 out of 100, Very strong | $935.8M | 25.3% | 0.57% | vs |
| Ila 1351 Federal Credit UnionCredit union La Porte, TX | 92 out of 100, Very strong | $17.3M | 17.0% | 0.00% | vs |
| Light Commerce Credit UnionCredit union Houston, TX | 92 out of 100, Very strong | $5.0M | 26.8% | 0.93% | vs |