FDIC Cert #21567 · Dallas, Texas · Est. 1974

American Bank, National Association - FDIC Bank Health Profile

A community-scale look at American Bank, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$700M
Total assets
A
Health grade · Excellent
1.64%
Return on assets
10.6%
Tier 1 capital

Data updated July 2026

The verdict

American Bank, National Association earns a PlainBankData health grade of A (88/100), with well-capitalized at 10.61% Tier 1, profitable at 1.64% ROA, efficient (36% cost ratio).

#1,385
largest of 4,313 FDIC banks by assets
68th
percentile by asset size, nationally
10.61%
Tier 1 ratio - above the 10% well-capitalized line
80th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 21567 · TX A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #937/4307
  • PHOTO-FINISH Heritage Bank of Sch… · IL
  • TIER1-WELL 10.6% Tier 1
  • TEXAS-CLEAN 1.3% Texas
  • ROA-STRONG 1.64% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: Heritage Bank of Schaumburg, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around American Bank

Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Bank, Natio… · TX ·…88/100First State Bank · OK · near88/100Heritage Bank of Sch… · IL ·…88/100PriorityOne Bank · MS · near88/100Quail Creek Bank · OK · near88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around American Bank · July 2026

Call Report read for American Bank in a high-failure state

American Bank, National Association (FDIC Cert #21567) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #937 of 4,307. Tier 1 capital prints at 10.61%, clearing the 10% well-capitalized line. The Texas Ratio is 1.26%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.64%. Balance-sheet scale is $700M, 1,385th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Heritage Bank of Schaumburg (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around American Bank

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

American Bank, National Association sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about American Bank, National Association's current Call Report.

  • SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
  • ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
  • FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.

How American Bank, National Association's 88/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10088/100
American Bank, National Association's composite health score
Tier 1 Capital Ratio (10.61%) 28/40
Return on Assets (ROA) (1.64%) 25/25
Texas Ratio (1.26%) 20/20
Efficiency Ratio (35.51%) 15/15

88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$700M

Total balance-sheet footings

Total Deposits

$592M

Customer-funded liabilities

Net Loans

$521M

Outstanding loan book

Net Income

$10M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.21% 10.61% 12.01%
Basel III capital ratios - American Bank, National Association

Where American Bank, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. American Bank, National Association's score of 88/100 falls in the highlighted band.

American Bank, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 22% higher than 78% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. American Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

American Bank, National Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). American Bank, National Association's $700M falls in the highlighted band.

Capital & credit buffers at American Bank

Tier 1 capital ratio
Well-capitalized 10%

10.61% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.61%
Texas Ratio
1.26%
Equity Capital
$73M

What these ratios mean →

Earnings posture at American Bank

Return on Assets (ROA)
80th percentile nationally
1.64%
Return on Equity (ROE)
15.40%
Efficiency Ratio
35.51%

What these mean →

Income & expense at American Bank

$51M
Interest Income
$780K
Non-Interest Income
$11M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. American Bank, National Association reports a Texas Ratio of 1.26% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.26% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View American Bank, National Association on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

Top 5 banks in Texas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($700M here), outside Texas so the neighborhood is not state containment.

The Citizens National Bank of Somerset $700M · KY First National Bank of Scotia $699M · NY BankNorth $697M · ND First Independence Bank $697M · MI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) American Bank, National Association (FDIC Cert #21567) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

American Bank, National Association Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Texas

All Texas banks →
BankAssetsGradeROA
Charles Schwab Bank, SSBWestlake $253.8B A 0.94%
Frost BankSan Antonio $53.1B A 1.26%
Prosperity BankEl Campo $38.5B A 1.44%
Texas Capital BankDallas $31.3B A 1.10%
Charles Schwab Premier Bank, SSBWestlake $27.0B A 1.47%
First Financial BankAbilene $15.4B A 1.64%
NexBankDallas $13.9B A 1.17%
PlainsCapital BankUniversity Park $12.7B B 1.05%