Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · catalog mismatch

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

AMERICAN NB OF TEXAS

FDIC #23474 · TX · period 20260630

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Total assets2,606,488-3.37% YoY

Total deposits2,331,028-3.69% YoY

Net loans and leases1,760,103-1.58% YoY

Return on assets0.95%-6.77% YoY

Return on equity10.19%-9.74% YoY

Net interest margin3.45%+1.34% YoY

Peer position

Return on assets12thopportunity · n=902

Return on equity46thin line · n=894

Net interest margin11thopportunity · n=902

Equity to assets1stopportunity · n=894

Noncurrent loans76thstrength · n=887

Liquid assets83rdstrength · n=895

Brokered deposits100thstrength · n=890

Loans to deposits80thstrength · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	2,606,488	2,331,028	1,760,103	0.95	10.19	3.45
2016-06-30	2,644,133	2,365,182	1,817,934	0.98	10.40	3.48
2016-09-30	2,728,375	2,444,440	1,833,422	0.99	10.59	3.46
2016-12-31	2,808,818	2,531,758	1,831,531	0.99	10.73	3.44
2017-03-31	2,697,491	2,420,239	1,788,401	1.01	11.29	3.41
2017-06-30	2,661,707	2,384,755	1,809,043	1.07	11.75	3.51
2017-09-30	2,751,923	2,455,467	1,785,690	1.10	11.93	3.54
2017-12-31	2,883,123	2,542,877	1,813,062	0.88	9.59	3.57
2018-03-31	2,793,829	2,509,709	1,821,532	1.20	13.56	3.70
2018-06-30	2,872,240	2,498,386	1,856,328	1.26	14.23	3.78
2018-09-30	3,038,699	2,750,864	1,894,784	1.31	14.59	3.61
2018-12-31	3,156,040	2,857,311	1,902,960	1.35	15.05	3.67
2019-03-31	3,043,194	2,739,684	1,893,582	1.23	13.53	3.91
2019-06-30	3,121,122	2,795,827	1,942,488	1.21	13.00	3.84
2019-09-30	3,251,591	2,871,826	2,022,065	1.20	12.80	3.78
2019-12-31	3,466,962	3,042,471	2,029,129	1.18	12.58	3.73
2020-03-31	3,584,050	3,106,686	2,063,840	0.98	10.48	3.46
2020-06-30	3,951,577	3,447,667	2,456,354	0.94	10.15	3.34
2020-09-30	4,100,149	3,538,327	2,463,537	0.93	9.84	3.24
2020-12-31	4,335,077	3,782,046	2,355,639	0.96	10.15	3.27
2021-03-31	4,448,694	3,898,353	2,374,977	0.87	9.38	3.12
2021-06-30	4,929,626	4,263,707	2,267,251	0.95	10.47	3.09
2021-09-30	4,986,476	4,368,150	2,219,897	1.01	11.30	3.11
2021-12-31	5,330,915	4,753,199	2,253,485	1.03	11.74	3.05
2022-03-31	5,216,775	4,748,930	2,250,669	0.85	12.07	2.86
2022-06-30	5,144,878	4,821,400	2,376,614	0.91	15.04	2.93
2022-09-30	5,237,404	4,652,928	2,527,029	0.94	17.69	2.98
2022-12-31	5,539,254	4,783,454	2,679,431	0.93	19.31	2.96
2023-03-31	5,433,594	4,488,022	2,764,085	0.68	23.31	2.79
2023-06-30	5,497,359	4,324,665	2,867,632	0.65	21.54	2.69
2023-09-30	5,482,618	4,295,416	2,888,723	0.65	22.87	2.62
2023-12-31	6,125,831	4,847,212	2,950,987	0.54	18.36	2.55
2024-03-31	5,686,763	4,431,810	2,979,791	0.56	16.01	2.47
2024-06-30	5,460,709	4,481,154	3,028,473	0.52	13.95	2.45
2024-09-30	5,633,482	4,707,720	3,059,809	0.50	12.32	2.44
2024-12-31	5,515,169	5,236,406	3,118,626	0.43	10.45	2.47
2025-03-31	5,518,998	4,827,275	3,187,461	0.51	11.27	2.80
2025-06-30	5,505,261	4,707,505	3,206,690	0.51	10.66	2.68
2025-09-30	5,534,230	4,789,004	3,299,005	0.39	7.82	2.69
2025-12-31	6,881,835	6,516,976	3,291,800	0.40	8.13	2.64
2026-03-31	5,546,680	4,781,594	3,368,982	0.59	11.17	2.78
2026-06-30	5,505,445	4,601,475	3,357,549	0.63	11.51	2.85

Structure and branch footprint

28 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2018-09-08	1	502353	599764
2008-06-07	1	2532961	599764
2008-02-23	1	32159	599764
1999-06-01	1	244055	599764
1998-01-01	1	500162	599764
1994-09-19	1	348056	599764
1990-04-20	50	698452	599764
1989-07-01	50	927666	599764

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.