🏦Bank Scorer

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

Adequate

ROA 1.63%

Institution Profile

FDIC BankFind

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%

ROE

16.00%

Risk-Based Capital

15.80%

Regulatory minimum: 8%

Peer Comparison

Small banks

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

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

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$550M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202465480.12%9.79%
202365886.47%4.26%
202272186.96%4.99%
20211,02488.87%3.61%
20201,39989.42%2.93%
201989185.75%5.50%
201898583.15%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

10 previous ratings locked — dating 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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