American First National Bank

9999 Bellaire Boulevard
Houston, TX 77036

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 34656
Date Established 1998
Assets $1.44 billion
Loans $1.15 billion
Deposits $1.27 billion
Capital $0.17 billion

American First National Bank is an FDIC insured institution located in Houston, TX. It was founded in 1998 and has approximately $1.44 billion in assets. Customers can open an account at one of its 17 branches.

For a more detailed analysis of American First National Bank'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 First National Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and Commercial and Industrial Loans.

Compared to other banks in Texas, American First National Bank has a significantly higher percent of Multifamily Mortgages, 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 5.89
Multifamily
Mortgages
5.65
Credit Card Loans 0.00
Consumer Auto Loans 0.09
Small Business Loans 12.21
Construction and Development Loans 6.27
Commercial Real Estate 72.62
Commercial and Industrial Loans 10.53
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.15% $1,500 $99,999 Learn MoreShow Less
3 Mo CD 100K
0.20% $100,000 - Learn MoreShow Less
6 Mo CD 10K
0.25% $1,500 $99,999 Learn MoreShow Less
6 Mo CD 100K
0.30% $100,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.20% $100 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.60% $500 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.15% $2,500 $9,999 Learn MoreShow Less
MM 10K
0.25% $10,000 $24,999 Learn MoreShow Less
MM 25K
0.30% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.10% $1,000 $9,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for American First National Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
US Wide Financial
NMLS ID: 55028
License#: MC-5809
3.771% 3.750% 0.00 $642 $1,158 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to American First National Bank
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Branches

American First National Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


American First National Bank Locations

Financial Details

American First National Bank Ratio Analysis

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

Texas Ratio
American First National Bank U.S. Bank Average
4.03% 8.45

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 June 30, 2017, American First National Bank had $7,259,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $165,237,000 in equity and $14,702,000 in loans loss reserves. That gives it a Texas Ratio of 4.03%. 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 First National Bank U.S. Bank Average
10.1% 8.58

American First National Bank has a Return on Equity of 10.1% versus the BestCashCow average of 8.58. 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.

Capitalization
American First National Bank U.S. Bank Average
11.46% 12.11

American First National Bank has a Capitalization of 11.46% versus the BestCashCow average of 12.11. 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 First National Bank Balance Sheet Analysis

As of June 30, 2017, American First National Bank had assets of $1,442,098,000, loans of $1,153,183,000, and deposits of $1,269,333,000. 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.

Frequently Asked Questions About American First National Bank

Branches and Savings

Is American First National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34656.

Why does American First National Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are American First National Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is American First National Bank a commercial bank?

Yes

Where are American First National Bank locations?

See branch locations nearby.

Is American First National Bank open on Saturdays?

Is American First National Bank open on Sundays?

What time does American First National Bank open?

What time does American First National Bank close?

Are American First National Bank ATMs Open 24/7?

Do American First National Bank ATMs accept cash deposits?

Can American First National Bank customers use other ATMs?

Do American First National Bank branches have notaries?

Will American First National Bank notarize my document?

What address for American First National Bank should I put for incoming ACH transfers?

Will the American First National Bank branch print checks?

Do American First National Bank checks expire?

Does American First National Bank require US citizenship to open account?

Can American First National Bank close my account?

Does American First National Bank Report to credit bureaus?

Does American First National Bank Use Equifax?

What is American First National Bank's ACH Routing Number?

What is American First National Bank's SWIFT code?

Products

Does American First National Bank offer mortgages?

Compare mortgage rates here.

Does American First National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does American First National Bank offer personal loans?

Compare personal loan rates here.

Does American First National Bank offer student loans?

Will American First National Bank cash a check?

Will American First National Bank redeem a savings bond?

Does American First National Bank cash savings bonds?

Will American First National Bank cash money orders?

Can American First National Bank issue a money order?

Does American First National Bank do currency exchange?

Background on The Bank

Who owns American First National Bank?

How long has American First National Bank been around?

Can American First National Bank transfer to other banks?

Does American First National Bank have quick pay?

Does American First National Bank accept rolled coins?

Will American First National Bank accept loose change?

Where is American First National Bank headquarters?

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