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American First National Bank
Houston, TX·FDIC Cert #34656·Charter: OCC·Est. 19980518.0·HC: AFNB HOLDINGS INC
Total Assets
$2.9B
Q4 2025
Return on Assets
1.60%
-0.27%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
47.65%
Peer avg: 58.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
58
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.60%-0.27
ROE
12.37%-2.20
Efficiency
47.65%+8.07
Equity/Assets
0.00%+0.00
NPL Ratio
1.44%-0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
96.64%+1.08
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 | 1.5 | 1.5 | 1.4 | 1.3 | 1.8 | 1.9 | 1.9 | 1.6 |
| ROE | 12.1 | 11.8 | 11.6 | 10.4 | 14.2 | 14.5 | 14.6 | 12.4 |
| Efficiency | 46.5 | 47.4 | 46.2 | 52.4 | 41.5 | 39.7 | 39.6 | 47.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.0 | 1.4 | 1.3 | 1.2 | 1.3 | 1.7 | 1.4 | 1.4 |
| Charge-offs | 0.0 | 0.0 | 0.1 | 0.1 | -0.0 | -0.0 | 0.0 | 0.0 |
| Loan/Deposit | 101.2 | 101.0 | 97.9 | 101.3 | 99.1 | 97.3 | 95.6 | 96.6 |
Balance Sheet
Total Assets$2.9B
Total Deposits$2.5B
Total Loans$2.4B
Total Equity$381.0M
Profitability
ROA1.60%
ROE12.37%
Efficiency Ratio47.65%
Net Income$45.5M
Risk & Asset Quality
NPL Ratio1.44%
Charge-off Rate0.03%
Loan/Deposit96.64%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans