TellerScore

The American National Bank of Mount Pleasant is a national bank headquartered in Mount Pleasant, Texas, in business for about 47 years. At the end of Q2 2026 it reported $144.6M in total assets and $130.3M in deposits, with 1 office.

The American National Bank of Mount Pleasant has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 92% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 30th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (78/100, 12.82%).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Tier 1 leverage ratio: 12.82%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings81/100
Return on assets (annualized): 1.53%
Funding & liquidity90/100
Loans ÷ deposits and uninsured-deposit share: 70.2% · 13.5% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 (87 → 88).

TellerScore
838791Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202489
Q3 202491
Q4 202490
Q1 202583
Q2 202587
Q3 202587
Q4 202590
Q1 202688
Q2 202688
Tier 1 leverage ratio
5.00%8.98%12.96%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.00%
Q3 202412.49%
Q4 202412.96%
Q1 202512.14%
Q2 202512.52%
Q3 202512.84%
Q4 202512.91%
Q1 202612.50%
Q2 202612.82%
Noncurrent loans
0.00%0.29%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.09%
Q3 20240.02%
Q4 20240.23%
Q1 20250.58%
Q2 20250.33%
Q3 20250.40%
Q4 20250.06%
Q1 20260.07%
Q2 20260.00%
Return on assets
1.53%1.79%2.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.99%
Q3 20242.04%
Q4 20242.03%
Q1 20251.81%
Q2 20252.00%
Q3 20251.96%
Q4 20251.86%
Q1 20261.66%
Q2 20261.53%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$144.6M12.82%0.00%1.53%70.2%
Q1 202688$144.1M12.50%0.07%1.66%67.5%
Q4 202590$141.9M12.91%0.06%1.86%71.4%
Q3 202587$143.9M12.84%0.40%1.96%68.2%
Q2 202587$134.9M12.52%0.33%2.00%70.3%
Q1 202583$137.4M12.14%0.58%1.81%66.9%
Q4 202490$130.8M12.96%0.23%2.03%69.7%
Q3 202491$133.2M12.49%0.02%2.04%64.3%
Q2 202489$133.4M12.00%0.09%1.99%63.3%

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 ratio12.82%
73rd
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs0.04%
32nd
Return on assets1.53%
67th
Net interest margin5.01%
92nd
Efficiency ratio60.8%
55th
Loans to deposits70.2%
69th
Uninsured deposits13.5%
86th
Loan-loss reserves1.95%
93rd
Texas ratio0.0%
95th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Johnson City BankBank Johnson City, TX82 out of 100, Strong$146.8M12.6%0.26%vs
Marion State BankBank Marion, TX77 out of 100, Strong$142.0M14.7%1.87%vs
Mason BankBank Mason, TX73 out of 100, Strong$147.5M19.9%2.45%vs
Bank19Bank Memphis, TX90 out of 100, Very strong$147.8M15.3%0.00%vs
Spur Security BankBank Spur, TX77 out of 100, Strong$140.6M12.4%0.00%vs
Carmine State BankBank Carmine, TX71 out of 100, Strong$148.8M10.0%0.50%vs

Deposit insurance

Is my money safe at The American National Bank of Mount Pleasant?

Yes. The American National Bank of Mount Pleasant is an FDIC-insured institution (FDIC certificate #22942). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 13.5% of deposits ($17.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.82%, 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

1 location

Branches

The American National Bank of Mount Pleasant lists 1 office in 1 city. Most locations:

  • Mount Pleasant, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
The American National Bank of Mount Pleasant
Type
National bank
FDIC certificate #
22942
RSSD ID
764067
Primary regulator
OCC
Holding company
Northeast Texas Bancshares Inc
Established
August 31, 1979
Headquarters
301 S Madison Ave, Mount Pleasant, TX 75455
Employees
28

Quick answers

The American National Bank of Mount Pleasant: common questions

Is The American National Bank of Mount Pleasant FDIC insured?

Yes. The American National Bank of Mount Pleasant is an FDIC-insured institution (FDIC certificate #22942). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The American National Bank of Mount Pleasant's TellerScore?

88 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 The American National Bank of Mount Pleasant ever failed?

There is no failure record for FDIC certificate #22942 in the FDIC failed bank list.

How many branches does The American National Bank of Mount Pleasant have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Mount Pleasant

InstitutionScoreAssetsCapitalProblem loansCompare
East Texas Professional Credit UnionCredit union Longview, TX90 out of 100, Very strong$1.4B19.4%0.41%vs
The First National Bank of WinnsboroBank Winnsboro, TX86 out of 100, Very strong$158.2M22.7%1.10%vs
Community BankBank Longview, TX82 out of 100, Strong$315.5M11.9%0.00%vs
The City National Bank of Sulphur SpringsBank Sulphur Springs, TX78 out of 100, Strong$1.4B9.8%0.15%vs
First Federal Community Bank, SSBBank Paris, TX74 out of 100, Strong$603.6M13.1%0.75%vs
VeraBank, National AssociationBank Henderson, TX72 out of 100, Strong$4.6B11.0%0.96%vs