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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

American First National Bank

Houston, Texas · $2.89B in assets · beside the 11 other Texas banks between $1B and $3B

The filing

98.8%
Loans / deposits
11th of 12
2.14%
ROA
2nd of 12
38.1%
Efficiency
3rd of 12

American First National Bank is the fourth largest of the 12 Texas banks nearest its size between $1B and $3B, with $2.89B in assets at 30 June 2026. Loans are 98.8% of deposits, 11th of 12 against a median of 78.6%, and equity is 14.2% of assets, 5th of 12. Loans grew -0.0% in the year, 9th of 12, and deposits fell 0.6%; the cohort's median loan growth is +1.1%.

Noncurrent loans are 0.42% of the book, 5th of 12 against a median of 0.67%; 0.95% is 30 to 89 days past due, and the allowance covers them 2.5 times. Commercial real estate is 47.1% of loans, 8th of 12 against a median of 36.7%, and 258% of capital, below the 300% screen, with construction at 33% against the 100% screen.

Return on assets is 2.14%, 2nd of 12 against a median of 1.50%, on an efficiency ratio of 38.1%, 3rd of 12. Five years ago it was 1.83%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsTX banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 78.6% WT West Texas National Bank 58.6% EB Extraco Banks National Association 64.4% TR Texas Regional Bank 72.4% HB Horizon Bank SSB 74.0% TN Tib National Association 75.4% JB Jefferson Bank 75.6% PB Pinnacle Bank 81.6% SB Susser Bank 83.2% AM American Momentum Bank 91.4% SB State Bank of Texas 97.8% AF American First National Bank 98.8% WF Wells Fargo Bank S Central N.A. 102.3%
Loans, year over yearTX banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +1.1% SB Susser Bank +12.8% TR Texas Regional Bank +12.5% HB Horizon Bank SSB +6.1% PB Pinnacle Bank +5.4% JB Jefferson Bank +4.5% WT West Texas National Bank +1.2% EB Extraco Banks National Association +1.1% AM American Momentum Bank +0.1% AF American First National Bank -0.0% TN Tib National Association -6.3% SB State Bank of Texas -7.0% WF Wells Fargo Bank S Central N.A. -14.6%

SBA 7(a), FY2008 to FY2026

American First National Bank is the 155th largest 7(a) lender into Texas of 706, with $44M across 66 loans, 0.1% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 21 of its 21 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Tarrant, TX$11M70th of 2810.3%quiet FY2011
Dallas, TX$10M85th of 3140.2%quiet FY2011
Harris, TX$8M112th of 3140.1%quiet FY2011
Nye, NV$4M3rd of 2811.0%quiet FY2010
Collin, TX$3M135th of 2610.1%quiet FY2011
Galveston, TX$2M45th of 1130.5%quiet FY2010
Okaloosa, FL$2M39th of 860.7%quiet FY2008
Brazoria, TX$2M60th of 1290.3%quiet FY2010
Tulsa, OK$1M90th of 1590.1%quiet FY2010
Henderson, TX$1M18th of 501.6%quiet FY2011
Matagorda, TX$1M19th of 361.9%quiet FY2010
Hunt, TX$1M45th of 800.6%quiet FY2010
Hopkins, TX$900K19th of 281.2%quiet FY2008
8 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade22$21M41.5%0.03%306th of 2,589
Accommodation & food services21$10M19.0%0.01%575th of 2,596
Other services8$6M12.0%0.02%473rd of 2,248
Wholesale trade6$4M7.7%0.02%512th of 1,651
Health care & social assistance3$3M5.2%0.01%767th of 2,172
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and American First National Bank
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans AF American First National Bank 0.1% $44M · 66 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
American First National BankRankCohort median
Total CRE against capital, the 300% screen258%9th of 12247%
Construction against capital, the 100% screen33%3rd of 1248%
Construction and land development, share of loans6.0%2nd of 128.7%
Non-owner-occupied nonfarm nonresidential, share of loans38.3%11th of 1220.7%
Total CRE, the guidance definition, share of loans47.1%8th of 1236.7%
CRE growth over 36 months, the third prong+0.9%4th of 12+8.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Susser Bank$2.99B1.0%62.2%0.42%0.01%1.3%83.2%10.3%
Tib National Association$2.96B1.7%57.7%0.84%0.26%1.4%75.4%14.6%
Texas Regional Bank$2.95B0.3%88.8%0.59%0.07%1.1%72.4%9.2%
American First National Bank$2.89B2.1%38.1%0.42%0.08%1.1%98.8%14.2%
West Texas National Bank$2.88B1.6%46.5%1.67%0.88%1.9%58.6%10.2%
Jefferson Bank$2.88B1.1%74.8%0.75%0.01%0.8%75.6%8.6%
American Momentum Bank$2.85B1.3%59.6%3.52%0.11%1.2%91.4%22.2%
Pinnacle Bank$2.72B1.4%52.3%0.13%0.01%1.2%81.6%13.2%
Wells Fargo Bank S Central N.A.$2.59B1.7%14.5%1.24%0.01%0.1%102.3%30.1%
State Bank of Texas$2.59B4.2%21.4%2.16%0.00%1.0%97.8%16.4%
Extraco Banks National Association$2.57B0.8%75.7%0.04%0.04%2.4%64.4%8.4%
Horizon Bank SSB$2.55B1.7%52.6%0.00%0.02%1.7%74.0%8.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
American First National BankCohort median
20212026Change20212026Change
Loans$1.90B$2.41B+27%$1.10B$1.85B+69%
Deposits$1.89B$2.44B+29%$1.75B$2.35B+35%
NPA / loans0.05%0.42%+0.37 pts0.19%0.67%+0.48 pts
Efficiency39.3%38.1%-1.2 pts65.5%55.1%-10.3 pts
ROA1.83%2.14%+0.31 pts1.03%1.50%+0.46 pts

This read was prepared for American First National Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on American First National Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks $1B to $3B
Institution www.afnb.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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