AMERICAN FIRST NATIONAL BANK

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

Est. 1998FDIC #34,656

Outstanding Same

Current rating · Exam: May 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 2.40%

Is this bank safe?

AMERICAN FIRST NATIONAL BANK earned an Outstanding CRA rating (2025), and is financially strong (ROA +2.40%).

Institution Profile

FDIC BankFind

Website

www.afnb.com

Address

9999 Bellaire Blvd, HOUSTON, TX

County

Harris County

Established

May 18, 1998

Total Assets

$2.9B(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

May 5, 2025

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:May 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.9B

Total Deposits

$2.4B

Net Loans

$2.4B

Net Income

$17M

ROA

2.40%

Above avg for Community banks. Peer avg: 0.90%

ROE

17.75%

Risk-Based Capital

17.18%

Above avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

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

ROA2.40%Peer avg: 0.90%▲ Above avg

Risk-Based Capital17.18%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate0.00%Peer avg: 10.20%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$2.5B

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	53	96.23%	0.00%
2022	67	92.54%	0.00%
2021	76	93.42%	0.00%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
May 2025	Outstanding	Large Bank
Apr 2022	Outstanding	Large Bank
May 2019	Satisfactory	Large Bank

4 previous ratings locked — back to 1999

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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