American Bank of Texas

2011 Texoma Parkway
Sherman, TX 75090


General Bank Information

FDIC Insured Yes
FDIC Certificate # 20473
Date Established 1971
Assets $2.34 billion
Loans $1.50 billion
Deposits $1.98 billion
Capital $0.35 billion

American Bank of Texas is an FDIC insured institution located in Sherman, TX. It was founded in 1971 and has approximately $2.38 billion in assets. Customers can open an account at one of its 35 branches.

For a more detailed analysis of American Bank of Texas's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in American Bank of Texas’s loan portfolio are Commercial Real Estate, Construction and Development Loans, and Commercial and Industrial Loans.

Compared to other banks in Texas, American Bank of Texas has a significantly higher percent of Construction and Development Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 8.01
Credit Card Loans 0.11
Consumer Auto Loans 0.17
Small Business Loans 3.76
Construction and Development Loans 34.65
Commercial Real Estate 43.73
Commercial and Industrial Loans 9.04
Farm Loans 0.27

Loan Rates

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Financial Details

American Bank of Texas Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American Bank of Texas. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
American Bank of Texas U.S. Bank Average
13.41% 8.87%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of March 31, 2017, American Bank of Texas had $11,923,000 in non-current loans and $37,584,000 in owned real estate. To cover these potential losses it had $347,667,000 in equity and $21,444,000 in loans loss reserves. That gives it a Texas Ratio of 13.41%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
American Bank of Texas U.S. Bank Average
10.21% 8.39%

American Bank of Texas has a Return on Equity of 10.21% versus the BestCashCow average of 8.39%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

American Bank of Texas U.S. Bank Average
14.88% 11.94%

American Bank of Texas has a Capitalization of 14.88% versus the BestCashCow average of 11.94%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

American Bank of Texas Balance Sheet Analysis

As of June 30, 2016, American Bank of Texas had assets of $2,382,544,000, loans of $1,497,577,000, and deposits of $1,983,749,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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