Institution Statistics
| American Bank of Texas, National Association | | FDIC Certificate # | 23433 | | BankRate Report | View | | Year Established | 1981 | | Employees | 220 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $775.48 million | | Loans | $320.99 million | | Deposits | $648.03 million | | Equity Capital | $113.99 million | | Loan Loss Allowance | $6.76 million | | Unbacked Noncurrent Loans | $8.14 million | | Real Estate Owned | $22.73 million |
Historic Data - December 2010 | | Assets | $753.65 million | | Equity Capital | $111.27 million | | Loan Loss Allowance | $6.55 million | | Unbacked Noncurrent Loans | $14.09 million | | Real Estate Owned | $21.59 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.71% | | Return on Assets | 0.27% | | Return on Equity | 1.82% | | Interest Income | $26.35 million |
|
|
Institution Health
Overall Score:
4 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 American Bank of Texas, National Association had $30.87 million in non-current loans and owned real-estate with $120.76 million in equity and loan loss allowances on hand to cover it. This gives American Bank of Texas, National Association a Texas Ratio of 25.56% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for American Bank of Texas, National Association decreased slightly from 30.28% as of December 31, 2010 to 25.56% as of December 31, 2011, resulting in a positive change of 15.59%.This indicates that the balance sheet and financial strength for American Bank of Texas, National Association has improved slightly in recent periods. | | Deposit Growth | | | In the past year, American Bank of Texas, National Association has increased its total deposits by $21.52 million, resulting in 3.44% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth American Bank of Texas, National Association has shown is above average. | | Capitalization |  | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. American Bank of Texas, National Association has $775.48 million in assets with $120.76 million in equity, resulting in a capitalization level of 15.57%, which is excellent. |
|
Average User Rating:
A Horrible Bank
I opened a personal and business account with American Bank of Texas, NA on Adams drive in Temple Texas last year with over $30000.00. From the beginning I had problems with bank policies that required I come to the bank in person for things that other banks are able to handle over the phone. I decided it would get better as time went on. But it DID NOT get better, it got worse.
I had my income tax return check sent to my account and they sent it back to the government!!! I was told I would have to sign something and then I could contact the government and have them send it again. It took me almost a month to get my return money. "
They refused to cash a check I had given to a contractor when I had 10X's that amount in the account. Again I had to go in person to rectify the situation.
After numerous other problems, to many to list, I went today to close my account and they refused to give me cash. They would only give me a cashiers check and when I ask why the only explanation I received was, "It is bank policy"
This seems to be the only answer they have for anything.
IF YOU DON'T HAVE ALL DAY TO SPEND AT YOUR BANK THEN DON'T USE THIS BANK!!!!!!!