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

American National Bank of Texas

Terrell, Texas · $5.51B in assets · beside the 11 other Texas banks between $3B and $10B

The filing

6.0%
Equity / assets
12th of 12
0.66%
ROA
10th of 12
0.23%
NPA / loans
3rd of 12

American National Bank of Texas is the second largest of the 12 Texas banks nearest its size between $3B and $10B, with $5.51B in assets at 30 June 2026. Loans are 73.9% of deposits, 7th of 12 against a median of 71.8%, and equity is 6.0% of assets, the lowest in the cohort. Loans grew +4.8% in the year, 6th of 12, and deposits fell 2.3%; the cohort's median loan growth is +3.8%.

Noncurrent loans are 0.23% of the book, 3rd of 12 against a median of 0.55%; 0.14% is 30 to 89 days past due, and the allowance covers them 5.4 times. Commercial real estate is 41.1% of loans, 8th of 12 against a median of 38.8%, and 251% of capital, below the 300% screen, with construction at 90% against the 100% screen.

Return on assets is 0.66%, 10th of 12 against a median of 1.46%, on an efficiency ratio of 74.8%, 9th of 12. Five years ago it was 0.94%. The question is which of these lines moves first over the next four quarters, and against which peer.

Equity as a share of assetsTX banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 10.9% TB Texas Bank & Trust Co. 12.9% IB International Bank of Com 12.7% TC Third Coast Bank 12.0% IN Inwood National Bank 11.6% VN Verabank National Association 11.4% CB City Bank 11.1% CC Cornerstone Capital Bank SSB 10.8% BN Broadway National Bank 9.1% VB Vantage Bank Texas 8.6% TE Texas Exchange Bank 8.2% FN First National Bank Texas 6.7% AN American National Bank of Texas 6.0%
Loans, year over yearTX banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.8% CC Cornerstone Capital Bank SSB +67.5% TC Third Coast Bank +33.3% CB City Bank +21.4% VB Vantage Bank Texas +14.7% FN First National Bank Texas +6.9% AN American National Bank of Texas +4.8% IB International Bank of Com +2.7% IN Inwood National Bank +1.7% VN Verabank National Association -1.5% TB Texas Bank & Trust Co. -1.7% BN Broadway National Bank -10.7% TE Texas Exchange Bank -23.7%

SBA 7(a), FY2008 to FY2026

American National Bank of Texas is the 52nd largest 7(a) lender into Texas of 706, with $211M across 399 loans, 0.5% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 13 of its 23 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
Dallas, TX$54M29th of 3141.0%-1.3 pts
Tarrant, TX$42M22nd of 2811.1%-0.9 pts
Collin, TX$42M13th of 2611.5%-1.9 pts
Kaufman, TX$34M1st of 8615.6%-32.6 pts
Johnson, TX$8M7th of 1032.8%-6.3 pts
Rockwall, TX$6M13th of 1082.3%-0.5 pts
Hunt, TX$6M6th of 803.2%-7.8 pts
Ellis, TX$5M18th of 1031.9%+1.4 pts
Van Zandt, TX$4M5th of 367.8%-4.3 pts
Denton, TX$4M93rd of 2240.2%quiet FY2021
Parker, TX$2M42nd of 920.6%+1.2 pts
Smith, TX$1M55th of 1010.5%quiet FY2021
Burnet, TX$1M15th of 531.8%quiet FY2018
10 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
Accommodation & food services67$31M14.7%0.04%306th of 2,596
Construction53$31M14.5%0.10%165th of 2,063
Retail trade65$30M14.3%0.05%250th of 2,589
Health care & social assistance44$29M13.7%0.06%199th of 2,172
Manufacturing32$23M10.9%0.06%273rd of 2,246
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and American National
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 TA The American National Bank of Tex… 0.5% $211M · 399 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
American NationalRankCohort median
Total CRE against capital, the 300% screen251%9th of 12221%
Construction against capital, the 100% screen90%10th of 1257%
Construction and land development, share of loans14.8%10th of 1211.1%
Non-owner-occupied nonfarm nonresidential, share of loans22.0%6th of 1222.2%
Total CRE, the guidance definition, share of loans41.1%8th of 1238.8%
CRE growth over 36 months, the third prong+34.3%8th of 12+24.8%

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
Third Coast Bank$6.73B1.3%57.9%0.50%-0.01%1.0%92.8%12.0%
American National Bank of Texas$5.51B0.7%74.8%0.23%0.03%1.3%73.9%6.0%
Broadway National Bank$5.42B1.8%57.9%0.19%0.13%1.1%65.3%9.1%
City Bank$5.39B1.4%60.7%0.25%0.05%1.4%80.1%11.1%
Vantage Bank Texas$5.14B1.6%55.5%0.87%0.30%1.3%88.9%8.6%
First National Bank Texas$4.64B1.2%84.5%1.23%0.83%1.3%55.8%6.7%
Verabank National Association$4.58B1.6%57.9%0.96%0.10%1.2%69.6%11.4%
International Bank of Com$4.56B1.7%38.5%9.17%0.11%2.5%40.2%12.7%
Texas Exchange Bank$4.49B0.6%95.2%0.00%0.00%1.4%26.2%8.2%
Texas Bank & Trust Co.$4.34B1.6%54.7%0.61%0.01%1.2%91.5%12.9%
Inwood National Bank$4.26B1.6%38.2%0.37%0.41%0.9%67.7%11.6%
Cornerstone Capital Bank SSB$3.67B0.1%89.0%3.62%0.07%0.6%110.0%10.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
American NationalCohort median
20212026Change20212026Change
Loans$2.30B$3.40B+48%$1.84B$2.99B+62%
Deposits$4.26B$4.60B+8%$3.02B$4.06B+34%
NPA / loans0.09%0.23%+0.14 pts0.39%0.55%+0.16 pts
Efficiency67.3%74.8%+7.5 pts65.7%57.9%-7.8 pts
ROA0.94%0.66%-0.28 pts1.26%1.46%+0.20 pts

This read was prepared for American National Bank of Texas'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 National Bank of Texas 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 $3B to $10B
Institution www.anbtx.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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