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American First National Bank
Houston, TX · FDIC Certificate #34656 · Chartered 05/1
Total assets
$2.89B
Total deposits
$2.44B
Total equity
$410.91M
Net loans
$2.39B
Branches (offices)
20
Net income (YTD)
$30.70M
Rank: #442 of 4,213 U.S. banks by assets · #35 of 346 in Texas. Assets changed 0.8% and deposits -0.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.13% |
| Return on equity | 15.49% |
| Net interest margin (YTD) | 4.55% |
| Equity to assets | 14.24% |
| Tier 1 leverage ratio | 14.38% |
| Uninsured deposits (share of deposits) | 22.7% |
| Noncurrent loans (share of loans) | 0.42% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 97.8% |
| Real estate loans (share of loans) | 93.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.22B | 93.2% | |
| Commercial & industrial | $189.29M | 7.9% | |
| Consumer / individual | $3.79M | 0.2% | |
| Construction & development | $143.91M | 6.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.32B | $2.04B | $26.49M | $273.40M |
| Jun 2023 | $2.55B | $2.21B | $26.71M | $310.86M |
| Jun 2024 | $2.69B | $2.30B | $19.38M | $337.30M |
| Jun 2025 | $2.86B | $2.45B | $25.96M | $371.04M |
| Jun 2026 | $2.89B | $2.44B | $30.70M | $410.91M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $1.70B | 13 |
| California | $415.60M | 3 |
| Nevada | $323.25M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.44B.
Similar-sized banks
National Exchange Bank And Trust ($2.89B) · Merchants Bank, National Association ($2.88B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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