Anahuac National Bank


801 South Ross Sterling
Anahuac, TX 77514
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Anahuac National Bank is an FDIC insured institution located in Anahuac, TX. It was founded in 1976 and has approximately $0.29 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 22381
Date Established 1976
Assets $ 289.16 million
Loans $ 88.86 million
Deposits $ 265.19 million
Capital $ 23.51 million

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

Deposit Rates - October 25, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - October 25, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Anahuac National Bank

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
Morty, Inc.
NMLS ID: 1429243
2.806% 2.750%
0.75 points
$1,820 fees
$1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Anahuac National Bank
To upload and update your bank's rates please register. It is free to register and add rates.


Anahuac 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:

Anahuac National Bank Locations

Climate Initiatives

Anahuac National Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

Anahuac National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Anahuac National Bank. 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
Anahuac National Bank U.S. Bank Average
0.84% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2021, Anahuac National Bank had $119,000 in non-current loans and $96,000 in owned real estate. To cover these potential losses it had $23,506,000 in equity and $2,076,000 in loans loss reserves. That gives it a Texas Ratio of 0.84%.

Return on Equity
Anahuac National Bank U.S. Bank Average
11.97% 11.29%

Anahuac National Bank has a Return on Equity of 11.97% versus the BestCashCow average of 11.29%. 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.

Anahuac National Bank U.S. Bank Average
8.13% 11.72%

Anahuac National Bank has a Capitalization of 8.13% versus the BestCashCow average of 11.72. 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.

Anahuac National Bank Balance Sheet Analysis

As of June 30, 2021, Anahuac National Bank had assets of $289,159,000, loans of $88,858,000, and deposits of $265,187,000. 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.

Summary Balance Sheet

June 30, 2021
Cash & Balances due from depository institutions $ 38.75 million
Interest-bearing balances $ 36.14 million
Total securities $ 150.81 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 88.86 million
Loan loss allowance $ 2.08 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.10 million
Goodwill and other intangibles N.A.
All other assets $ 6.86 million
     Total Assets $ 265.65 million
Total deposits $ 265.19 million
      Interest-bearing deposits $ 201.77 million
      Deposits held in domestic offices $ 265.19 million
      % insured (estimated) 49.89%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.47 million
      Total Liabilities $ 265.65 million
      Shareholders’ Equity $ 23.51 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 4.23 million
Total Interest Expense $ 0.50 million
Net interest income $ 3.73 million
Provision for loan and lease losses $ 0.03 million
Total non interest income $ 0.58 million
Total non interest expense $ 3.05 million
Pre-tax Net Operating Income $ 1.23 million

Bank Loan Profile?

The top three loan types in Anahuac National Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in Texas, Anahuac National Bank has a significantly higher percent of Small Business 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 19.49
Credit Card Loans 0.00
Consumer Auto Loans 2.57
Small Business Loans 35.68
Construction and Development Loans 6.74
Commercial Real Estate 45.40
Commercial and Industrial Loans 14.25
Farm Loans 8.22

Frequently Asked Questions About Anahuac National Bank

Branches and Savings

Is Anahuac National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #22381.

Why does Anahuac 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 Anahuac National Bank CD rates not competitive?

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

Is Anahuac National Bank a commercial bank?


Where are Anahuac National Bank locations?

See branch locations nearby.

Is Anahuac National Bank open on Saturdays?

Is Anahuac National Bank open on Sundays?

What time does Anahuac National Bank open?

What time does Anahuac National Bank close?

Are Anahuac National Bank ATMs Open 24/7?

Do Anahuac National Bank ATMs accept cash deposits?

Can Anahuac National Bank customers use other ATMs?

Do Anahuac National Bank branches have notaries?

Will Anahuac National Bank notarize my document?

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

Will the Anahuac National Bank branch print checks?

Do Anahuac National Bank checks expire?

Does Anahuac National Bank require US citizenship to open account?

Can Anahuac National Bank close my account?

Does Anahuac National Bank Report to credit bureaus?

Does Anahuac National Bank Use Equifax?

What is Anahuac National Bank's ACH Routing Number?

What is Anahuac National Bank's SWIFT code?


Does Anahuac National Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Anahuac National Bank offer personal loans?

Compare personal loan rates here.

Does Anahuac National Bank offer student loans?

Will Anahuac National Bank cash a check?

Will Anahuac National Bank redeem a savings bond?

Does Anahuac National Bank cash savings bonds?

Will Anahuac National Bank cash money orders?

Can Anahuac National Bank issue a money order?

Does Anahuac National Bank do currency exchange?

Background on The Bank

Who owns Anahuac National Bank?

How long has Anahuac National Bank been around?

Can Anahuac National Bank transfer to other banks?

Does Anahuac National Bank have quick pay?

Does Anahuac National Bank accept rolled coins?

Will Anahuac National Bank accept loose change?

Where is Anahuac National Bank headquarters?

Customer Reviews for Anahuac National Bank

There are currently no comments for Anahuac National Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →