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The American National Bank of Texas
Terrell, TX·FDIC Cert #23474·Charter: OCC·Est. 19810701.0·HC: A N B HOLDING CO LTD
Total Assets
$6.9B
Q4 2025
Return on Assets
0.40%
+0.01%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
77.53%
Peer avg: 57.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.40%+0.01
ROE
8.13%+0.31
Efficiency
77.53%-0.50
Equity/Assets
0.00%+0.00
NPL Ratio
0.18%+0.09
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
50.51%-18.38
Charge-offs
0.03%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.6 | 0.5 | 0.5 | 0.4 | 0.5 | 0.5 | 0.4 | 0.4 |
| ROE | 16.0 | 13.9 | 12.3 | 10.4 | 11.3 | 10.7 | 7.8 | 8.1 |
| Efficiency | 75.9 | 77.2 | 77.1 | 76.0 | 75.7 | 77.9 | 78.0 | 77.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 67.2 | 67.6 | 65.0 | 59.6 | 66.0 | 68.1 | 68.9 | 50.5 |
Balance Sheet
Total Assets$6.9B
Total Deposits$6.5B
Total Loans$3.3B
Total Equity$322.9M
Profitability
ROA0.40%
ROE8.13%
Efficiency Ratio77.53%
Net Income$23.2M
Risk & Asset Quality
NPL Ratio0.18%
Charge-off Rate0.03%
Loan/Deposit50.51%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans