AMERICAN BANK, NATIONAL ASSOCIATION

WACO, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1982FDIC #23,886

Satisfactory Same

Current rating · Exam: October 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.63%

Institution Profile

FDIC BankFind

Website

www.am.bank

Address

200 W State Highway 6, WACO, TX

County

Mclennan County

Established

June 11, 1982

Total Assets

$628M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 3, 2023

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Oct 2027(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$628M

Total Deposits

$562M

Net Loans

$478M

Net Income

$3M

ROA

1.63%

Above avg for Small banks. Peer avg: 0.44%

ROE

16.00%

Risk-Based Capital

15.80%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.63%Peer avg: 0.44%▲ Above avg

Risk-Based Capital15.80%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate9.79%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$550M

1-Year Change

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	654	80.12%	9.79%
2023	658	86.47%	4.26%
2022	721	86.96%	4.99%
2021	1,024	88.87%	3.61%
2020	1,399	89.42%	2.93%
2019	891	85.75%	5.50%
2018	985	83.15%	7.11%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Oct 2023	Satisfactory	Large Bank
Sep 2020	Satisfactory	Large Bank
Nov 2017	Satisfactory	Large Bank

8 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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