American First National Bank

What sets American First National Bank apart

• Among the 339 banks of $1 bn to $10 bn, few report a lower efficiency ratio than American First National Bank, at 38.11% in Q2 2026; the group median is 56.87%.
• American First National Bank has one of the highest net interest margin readings among banks of $1 bn to $10 bn: 4.55% at Q2 2026, against a median of 3.66% across 339 banks.

How large is American First National Bank?

The balance sheet of American First National Bank at Q2 2026: assets $2.9 bn, deposits $2.4 bn, net loans $2.4 bn (loans equal to 97.79% of deposits). Securities make up 3.2% of total assets at American First National Bank. Since Q1 2016, when American First National Bank held $1.2 bn, its assets grew 139.7%. In the year to Q2 2026, deposits at American First National Bank fell 0.6% while its total assets rose 0.8%. At Q2 2026, American First National Bank employed 244 full-time equivalent staff across 20 offices, about $11.8 mn of assets per employee and $122.0 mn of deposits per office.

How much funding at American First National Bank is uninsured?

At American First National Bank, uninsured deposits (above the FDIC limit) made up 22.72% of domestic deposits at Q2 2026 (+1.99 pp on a year earlier); American First National Bank ranks 391st of 500 on this measure. In dollars, American First National Bank estimated $554.3 mn of uninsured deposits.

Key facts, Q2 2026

US rank of American First National Bank: 1 = highest unless marked 1 = lowest.

The CET1 ratio of American First National Bank stood at 16.38% in Q2 2026, +1.56 pp year on year. Low and high at American First National Bank since Q1 2016: 11.48% (Q1 2020) to 16.38% (Q2 2026). Equity capital of American First National Bank at Q2 2026: $410.9 mn, or 14.2% of total assets. American First National Bank also reported a total capital ratio of 17.44% for Q2 2026, and a tier 1 leverage ratio of 14.38%.

The available-for-sale portfolio of American First National Bank showed an unrealized loss of $2.2 mn at Q2 2026; the loss narrowed by $433,000 over the year.

For the year to Q2 2026, American First National Bank earned a return on equity of 15.49%; return on assets: 2.13%. Net interest margin at American First National Bank: 4.55%, +0.55 pp in a year. American First National Bank net income: $30.7 mn, up 18.3% year on year. The efficiency ratio of American First National Bank was 38.11%: about 38 cents cost per revenue dollar, against 56 cents at the median peer.

At Q2 2026, noncurrent loans were 0.42% of total loans at American First National Bank; net charge-offs: 0.08% of average loans. Gross loans and leases at American First National Bank: $2.4 bn, down 0.0% in a year.

The peer group of American First National Bank is the 6 banks nearest to it by total assets at Q2 2026: 3 larger and 3 smaller. Of the peers, 3 share the charter type of American First National Bank (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 2 have head offices in Texas. Against them, American First National Bank shows CET1 ratio 16.38% against a peer median of 13.30%, return on equity 15.49% against a peer median of 11.81% and uninsured deposit share 22.72% against a peer median of 38.57%.

No merger or acquisition by American First National Bank appears in the FDIC history since Q1 2016, and its total assets never moved more than 25% in one quarter.