# AMERICAN FIRST NATIONAL BANK
HOUSTON, TX · FDIC certificate 34656 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.89B | |
| Deposits | $2.44B | |
| Loans and leases | $2.41B | |
| Total equity | $410.9M | |
| Loans / deposits | 97.79% (p80 of band) | 87.10% |
| Liquid assets / assets | 15.21% (p24 of band) | |
| Uninsured deposits / deposits | 22.72% (p23 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.38% (p91 of band) | 10.50% |
| Unrealized securities loss / equity | -0.55% (p92 of band) | -7.75% |
| AOCI / equity | -0.19% (p59 of band) | |
| ROA (annualized) | 2.13% (p92 of band) | 1.26% |
| Net interest margin | 4.55% (p89 of band) | 3.70% |
| Efficiency ratio | 38.11% (p7 of band) | |
| Noncurrent loans | 0.42% (p43 of band) | 0.51% |
| Net charge-offs (annualized) | 0.06% (p67 of band) | |
| Reserve coverage of noncurrent | 252.42% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 35.02% (p36 of band) | |
| Auto loans | $45,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -0.6% | |
| Employees | 244 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 3 | deposits shrinking, assets shrinking |  |
| 2012-12 | 1 |  | deposits shrinking, assets shrinking |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 2 | capital falling, reserve under noncurrent |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 | loans exceed deposits | reserve under noncurrent |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | loans exceed deposits |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2020-09 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | liquid assets <10% |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | liquid assets <10% |
| 2021-12 | 1 | liquid assets <10% |  |
| 2022-03 | 0 |  | liquid assets <10% |
| 2022-06 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | loans exceed deposits |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | reserve under noncurrent |  |
| 2024-09 | 1 |  | loans exceed deposits |
| 2024-12 | 2 | loans exceed deposits |  |
| 2025-03 | 1 |  | loans exceed deposits |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | reserve under noncurrent |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-14 [Henry Wu Obituary (1946 - 2026) - Houston, TX - Houston Chronicle - Legacy obituary](https://news.google.com/rss/articles/CBMikgFBVV95cUxNd0FBemdyNmdCTlROblNYdHlJU2puX0FqVG5OVlY4UW1Gc2tTU3lQclJ2cVRReHctZ1ppVXZ4MjVxR1FHdW1QZ042d2RISENiZFhLTkNCNzFpak9iVXZZdDlMcHZ5WndwUmw1WlkzdzdYX24zQVhraVN2dU5fd1ZDUTFvOVJkZEF2NWJIbE5tRzJGUQ?oc=5) · Legacy obituary
- 2025-10-20 [8 DFW Nonprofits Receive $271K in FHLB Grants to Boost Housing, Education, and Economic Mobility - Dallas Innovates](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQUE5FWWkyemlGdGpHcmx1VTNuYTEzNUdHSzhoX0FuZFdBTmNTemtPWk5RQ1Y3VHJ2SkQzSTVSN2k2c1c2dWt0Nm9KV0VhMElhRENzWWhLY2dzSlhJVTItUTN3VDdmcC1aR25LLVp6QWFYcEpKblJEMWJoRkkxX2tBb3pwdm9FR1k1endPb2NrN2tPVDlOS1NxR3k3QmZFbVZhTGljSlB2V0pSZjFCYUFoNV9rRDh6d2U0?oc=5) · Dallas Innovates
- 2025-07-11 [The 20 top-performing banks with $2B to $10B of assets - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxPS0NEYTZFeXRleUhoXzViMmtzQVBWX2xhVVI3aXQwT2N4c056SGF0dzBKbG9uWjlPTXRBcEFNT19XN1JDQmZFZ2ZZLWd1cjVqNEJYOXhuQkJJVzBuY1RubG9HRy10M1o1N0M5THY4REtaaW40WVBQWHJfS2dfNHJFdFVwajVROVVKSEtWQ0YxS0Rjd2tZU2JF?oc=5) · American Banker
- 2017-07-13 [Meet American First National Bank's chairman, the king of banks in Chinatown - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQT0I1Z0ZiVTB2blRvOUtIc3FNazF1dlJ5di1ocENjX1AxYko1Y1pfYnZ2bW1KaEtEdDlUMTIyaGVZUnY2TG5MRnZaSHFtVk5KZHZ0WkxONHMxbnV3aGMwRXl0SFBDYS1ra0tfVXZZdHctM05CUTR5aTAxSjdoVzRCdnNSb0h6aC0tc2hqTkhJTzJVZnI5Mk01REs2Tm9fUmNyYnVWTkVYNA?oc=5) · The Business Journals
- 2022-11-05 [Asia Society Texas’ 10th Annual Night Market Festival Celebrates Houston’s AAPI Communities, Highlights South Asian and Japanese Traditions - Asia Society](https://news.google.com/rss/articles/CBMiygFBVV95cUxOeDlTdE1yYXFBRjF2eW1wTlB2RFAzZ2p3UTVnUUhUQ3BhTkJ3MHRweDB3bXFySHV2alhwa1dUUFF2a0hPNTBBZjlJRVZiRWF0enBtNTZIaGZTeExGa3daazNNUUw3aXhnQmVJdzRHWGk0MXVsUEVDZ1hJOXMzU1BSeGhiaThLU0pfS0JZUmdHNS1vU1hQRnVCRFYtRnFuWWFPU1ozMDJXTzVJMVY5TGN1Z016SFRfZEdkMTdiOXNnUTRoVG1sUG5ZSmVB?oc=5) · Asia Society
- 2023-06-20 [Forbes 2026 America's Best Banks In Each State List - Forbes](https://news.google.com/rss/articles/CBMiXkFVX3lxTE4xcm9keG1VQVdlREh4RG0tMFA2NktMQ1M4SjBicWxRTkJ3a0lOQTVqSXA0d1FkZ0RPOXQxWjFXYzg5SWhNNTBTU0Rqa0Vuekp2TzR5WnhXLTBwel9MdWc?oc=5) · Forbes
- 2019-12-25 [American First National Bank opens Henderson, Nevada office - Issuewire](https://news.google.com/rss/articles/CBMiowFBVV95cUxPX3ZHUFZBcVdxQWV3ZXhFcVI5bUJubDNzT3I5ajZmQUxSdDBFN2s4eGhqVGpHOEE2cV9DT0hCb3B0TzRaZGI4cURDbWdBd3ZsSGpQelNyVGlTYTRsOHFiNDgxMUJWSU1tQzZDZGJWSUhfdHE0THVMYVNwNW53cDhFMzQ1T2FZXzZjbWVvRWRyOHdnc1B4dzV2YkxDTDhEMThIUWVv?oc=5) · Issuewire
- 2026-03-03 [Thomas Rainville Obituary - Minden, NV - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxOMVBTdUpIRml6UE4tbGJKRlBwMzJGWUdHXzhIb3JZUUNJaVFoaXNwbV9KZ3c1c0lMT2U3VVNvdnZKbXp2QW50OTdYZHl3cmczYjdBRW9qMXFTbFd4Y1RtelN1U0RsYjU3OFlvWFpiVEwzR3ZLNXdEZ0ZPTXBDQVJhRG9ZamI?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34656 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/32.json (key "34656", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide