C
American Bank National Association
WacoTX
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings American Bank National Association
Waco, TX
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Rating C
Asset Quality Index 6.70
Capitalization Index 9.10
Liquidity Index 1.80
Profitability Index 5.30
Stability Index 5.00
Company Info American Bank National Association
Waco, TX
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FDIC Number 23886
Phone Number (254) 412-2000
Website www.am.bank
Asset Quality American Bank National Association
Waco, TX
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1-Year Asset Growth 6.43%
5-Year Asset Growth 6.92%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.28%
Non-Performing Loans to Capital 2.60%
Non-Performing Loans to Loans 0.38%
Balance Sheet American Bank National Association
Waco, TX
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Total Assets 634.74M
Total Deposits 569.74M
Capital and Reserves American Bank National Association
Waco, TX
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Capital 62.75M
Leverage Ratio 10.37
Loan Loss Reserves to Loans 1.12%
Risk-Based Capital Ratio 15.46
Liquidity American Bank National Association
Waco, TX
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Hot Money Ratio 13.82%
Liquidity Ratio 22.59%
Profitability American Bank National Association
Waco, TX
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5-Year Return on Average Assets 0.97%
Net Income 5.95M
Net Interest Spread 3.64%
Operating Profit to Average Assets 1.31%
Overhead Efficiency Ratio 65.57%
Return on Assets 1.31%
Return on Equity 13.17%