American Bank, National Association
Waco, TX
IDRSSD: 307361
Total Assets
$634.74M
Latest filing
Total Deposits
$569.74M
Latest filing
Net Interest Margin
3.73%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
American Bank, National Association
200 W State Highway 6
Waco, TX 76712
Full Service - Brick and Mortar
Updated 11/14/2025Established 06/11/1982FDIC Certificate 16685
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| American Bank, National Association (Main) | 200 W State Highway 6 | Waco, TX |
| BELLMEAD BRANCH | 1601 Interstate 35 N | Waco, TX |
| DOWNTOWN BRANCH | 100 S 4th St | Waco, TX |
| WOODWAY BRANCH | 5901 Woodway Dr | Waco, TX |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 06/11/1982 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76712 |
| State and County Number | 48309 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Waco, TX |
Operational Info
| Number of Employees | 78 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 06/11/1982 |
| Primary Insurance Agency | DIF |
| Website | www.am.bank |
| Data Updated | 11/14/2025 |
| CERT | 23886 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $634.74M |
| Total Deposits | $569.74M |
| Total Liabilities | $571.99M |
| Total Equity Capital | $62.75M |
| Net Income | $2.65M |
| Net Loans and Leases | $473.62M |
| Assets Per Employee ($Millions) | $8.14M |
| Bank Premises and Fixed Assets | $14.35M |
| Cash and Balances due from Depository Institutions | $100.78M |
| Deposits Held in Domestic Offices | $569.74M |
Key Performance Ratios
| Return on Assets (ROA) | 1.7% |
| Return on Equity (ROE) | 17.2% |
| Net Interest Margin | 3.73% |
| Efficiency Ratio | 58.91% |
| Tier 1 Risk-Based Capital Ratio | 14.214% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.886% |
| Earning Assets to total Assets | 95.58% |
Income and Expense
| Total Interest Income | $8.37M |
| Total Noninterest Income | $1.03M |
| Total Interest Expense | $2.83M |
| Total Noninterest Expense | $3.87M |
| Net Interest Income | $5.54M |
| Pre-tax Net Operating Income | $2.65M |
| Provision for Credit Losses | $45.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.25M |
| Total Liabilities and Capital | $634.74M |
Securities
| Securities | $39.12M |
| Available-for-sale debt securities | $27.61M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $11.51M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of American Bank, National Association?
$634.74M as of the latest filing.
How much are American Bank, National Association's total deposits?
$569.74M in total deposits.
Where is American Bank, National Association located?
Waco, TX.
What is the Net Interest Margin?
3.73%.
How many domestic offices does it operate?
4.
When was it established?
06/11/1982.
What is the Return on Assets (ROA)?
1.7%.
How much are total loans and leases?
$473.62M (latest filing).
What is the total interest income (latest filing)?
$8.37M.