TellerScore

Anahuac National Bank (FDIC certificate #22381) is based in Anahuac, Texas. Its Q2 2026 call report shows $266.4M in total assets and $255.1M in deposits and 5 offices.

Based on its Q2 2026 filing, Anahuac National Bank scores 68/100, which we describe as moderate. That is higher than only 37% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 245th. Its strongest component is problem-loan coverage (95/100; 2.4%), and its lowest is capital cushion (51/100; 10.08%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Tier 1 leverage ratio: 10.08%
Loan quality88/100
Noncurrent loans ÷ total loans: 0.37%
Earnings58/100
Return on assets (annualized): 0.96%
Funding & liquidity65/100
Loans ÷ deposits and uninsured-deposit share: 32.5% · 46.3% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.42%

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 (67 → 68).

TellerScore
587081Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202481
Q4 202470
Q1 202562
Q2 202567
Q3 202572
Q4 202570
Q1 202666
Q2 202668
Tier 1 leverage ratio
5.00%9.32%13.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.23%
Q3 202413.64%
Q4 202410.27%
Q1 20258.66%
Q2 20259.37%
Q3 202510.37%
Q4 202510.23%
Q1 20269.13%
Q2 202610.08%
Noncurrent loans
0.02%1.22%2.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.42%
Q3 20240.04%
Q4 20240.05%
Q1 20250.02%
Q2 20250.04%
Q3 20250.05%
Q4 20250.11%
Q1 20260.11%
Q2 20260.37%
Return on assets
0.47%0.73%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.00%
Q3 20240.73%
Q4 20240.59%
Q1 20250.47%
Q2 20250.74%
Q3 20250.79%
Q4 20250.79%
Q1 20260.93%
Q2 20260.96%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$266.4M10.08%0.37%0.96%32.5%
Q1 202666$294.3M9.13%0.11%0.93%30.2%
Q4 202570$284.0M10.23%0.11%0.79%35.3%
Q3 202572$253.9M10.37%0.05%0.79%35.6%
Q2 202567$259.8M9.37%0.04%0.74%33.5%
Q1 202562$291.5M8.66%0.02%0.47%32.2%
Q4 202470$233.5M10.27%0.05%0.59%38.3%
Q3 202481$234.2M13.64%0.04%0.73%39.9%
Q2 202458$240.6M13.23%2.42%1.00%40.8%

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 ratio10.08%
33rd
Total risk-based capital0.00%
24th
Problem loans0.37%
53rd
Net charge-offs0.07%
23rd
Return on assets0.96%
31st
Net interest margin3.64%
34th
Efficiency ratio72.9%
24th
Loans to deposits32.5%
98th
Uninsured deposits46.3%
6th
Loan-loss reserves2.80%
98th
Texas ratio2.4%
53rd

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of DeSoto, National AssociationBank De Soto, TX70 out of 100, Strong$264.6M10.1%0.98%vs
Texas Financial BankBank Eden, TX61 out of 100, Moderate$264.6M11.7%1.00%vs
Castroville State BankBank Castroville, TX76 out of 100, Strong$269.7M10.9%0.00%vs
Farmers and Merchants BankBank De Leon, TX85 out of 100, Very strong$269.8M12.0%0.00%vs
Citizens State BankBank Miles, TX75 out of 100, Strong$270.1M10.7%0.44%vs
Guadalupe BankBank Kerrville, TX74 out of 100, Strong$261.1M9.9%0.00%vs

Deposit insurance

Is my money safe at Anahuac National Bank?

Yes. Anahuac National Bank is an FDIC-insured institution (FDIC certificate #22381). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 46.3% of deposits ($118.1M) 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 10.08%, 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

5 locations

Branches

Anahuac National Bank lists 5 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Anahuac National Bank
Type
National bank
FDIC certificate #
22381
RSSD ID
424352
Primary regulator
OCC
Holding company
Anahuac Bancshares Inc
Established
December 20, 1976
Headquarters
801 Ross Sterling Ave, Anahuac, TX 77514
Employees
36

Quick answers

Anahuac National Bank: common questions

Is Anahuac National Bank FDIC insured?

Yes. Anahuac National Bank is an FDIC-insured institution (FDIC certificate #22381). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Anahuac National Bank's TellerScore?

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

Has Anahuac National Bank ever failed?

There is no failure record for FDIC certificate #22381 in the FDIC failed bank list.

How many branches does Anahuac National Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Anahuac

InstitutionScoreAssetsCapitalProblem loansCompare
Ila 1351 Federal Credit UnionCredit union La Porte, TX92 out of 100, Very strong$17.3M17.0%0.00%vs
Common Cents Federal Credit UnionCredit union Beaumont, TX87 out of 100, Very strong$34.2M12.1%0.30%vs
Shell Federal Credit UnionCredit union Deer Park, TX79 out of 100, Strong$2.1B13.4%0.71%vs
Capital BankBank Jacinto City, TX77 out of 100, Strong$689.7M10.8%0.01%vs
Community Resource Credit UnionCredit union Baytown, TX75 out of 100, Strong$929.5M11.0%0.47%vs
Texas First BankBank Texas City, TX75 out of 100, Strong$2.3B10.0%0.17%vs