American Bank, National Association

BankWaco, Texas
www.am.bank

Total Assets

$625.2M

Total Deposits

$560.1M

Branches

4

Established

1982

TFS Health Grade

$
C+

78.5 / 100

Average financial health

How we grade

American Bank, National Association is a bank headquartered in Waco, Texas, established in 1982. With $625.2M in total assets and 4 branch locations, it has a TFS Financial Health Grade of C+ (78.5/100).

Capital & Safety

Tier 1 Capital Ratio
10.05%(8%)
Total Capital Ratio
15.42%(10%)
Non-Performing Loan Ratio
0.06%

Profitability

Return on Assets (ROA)
1.39%(1%)
Return on Equity (ROE)
14.02%(10%)
Net Interest Margin
3.76%
Efficiency Ratio
63.82%(60%)

Lending & Liquidity

Total Loans
$474.6M
Loan-to-Deposit Ratio
83.75%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+4.26%
Deposit Growth (YoY)
+3.89%
Net Income
$8.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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