| Metric | Anahuac National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.4% | -1.8 pts |
| Deposit growth (YoY) | -0.4% | +4.0% | -4.3 pts |
| Loan growth (YoY) | -3.2% | +5.6% | -8.8 pts |
| ROA | 0.96% | 1.24% | -0.3 pts |
| ROE | 27.4% | 11.9% | +15.5 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $266.4M | $255.1M | $83.0M | $10.5M | $1.3M | 0.96% | 3.64% | 0.12% |
| Q1 2026 | $294.3M | $284.5M | $85.9M | $9.1M | $669K | 0.93% | 3.58% | 0.03% |
| Q4 2025 | $284.0M | $241.7M | $85.2M | $9.9M | $2.1M | 0.79% | 3.40% | 0.03% |
| Q3 2025 | $253.9M | $234.4M | $83.4M | $8.7M | $1.5M | 0.79% | 3.47% | 0.02% |
| Q2 2025 | $259.8M | $256.0M | $85.7M | $3.0M | $970K | 0.74% | 3.45% | 0.01% |
| Q1 2025 | $291.5M | $281.1M | $90.6M | $2.3M | $306K | 0.47% | 3.33% | 0.01% |
| Q4 2024 | $233.5M | $224.5M | $86.0M | $1.0M | $1.5M | 0.59% | 3.24% | 0.02% |
| Q3 2024 | $234.2M | $219.4M | $87.5M | $13.9M | $1.4M | 0.73% | 3.33% | 0.02% |
Loan mix (Q2 2026): real estate $58.7M · commercial $19.0M · consumer $5.2M · securities $136.2M
| Ratio | Anahuac National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 1.24% | 32nd | |
Return on equity Annualized net income ÷ equity or net worth | 27.4% | 11.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.9% | 62.9% | 74th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Anahuac National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Anahuac National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Anahuac National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Anahuac National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Anahuac National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
5 branches in 2 counties across 1 state (+0 vs 2025) · $255.1M branch deposits. Biggest market: Chambers, TX, ranked 2nd with 24.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Chambers, TX | 4 | $234.9M | 24.03% | 2nd |
| Liberty, TX | 1 | $20.2M | 1.25% | 11th |
Texas: 360th with 0.01% · Houston-Pasadena-The Woodlands metro: 87th, 0.06% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 5
Technology spend in line with peers (23 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).