Anahuac National Bank
Anahuac, Texas · FDIC Cert #22381
Anahuac National Bank is an FDIC-insured bank (Certificate #22381) with $241M in total assets and $221M in total deposits as of the Q2 2024 Call Report. Headquartered in Anahuac, Texas, the bank maintains a Tier 1 capital ratio of 24.12% (Well-Capitalized) and a nonperforming loan ratio of 2.42%. BankHealthData assigns a composite Health Grade of A (81/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Anahuac National Bank (FDIC cert 22381) is a community bank — $241M in total assets, $221M in deposits, serving the Anahuac, Texas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 24.12% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 2.42% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is very high: 55.8% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is solid: ROA of 1.00% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Anahuac National Bank carries a composite BankHealth grade of A (81/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Anahuac National Bank
- Total Assets
- $241M
- Total Deposits
- $221M
- Tier 1 Capital Ratio
- 24.12%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.42%
- Liquidity Ratio
- 55.81%
- Return on Assets
- 1.00%
- Headquarters
- Anahuac, Texas
- FDIC Certificate
- #22381
- Health Grade
- A (81/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Anahuac National Bank holds a Tier 1 capital ratio of 24.12%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Anahuac National Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Anahuac National Bank shows strong financial health indicators. With $241M in assets and a Health Score of 81/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Anahuac National Bank Compares
Anahuac National Bank’s Health Score of 81 is 7 points above the Texas state average of 74 across 321 FDIC-insured banks. Its 24.12% Tier 1 capital ratio is 10.1 points above the US banking industry average near 14%. The 2.42% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.00% is below the national ROA benchmark of ~1.1%. Among 1566 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, Anahuac National Bank is 11 points above the portfolio average of 70.
Frequently Asked Questions
Anahuac National Bank has a Bank Health Score of A (81/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 24.12%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Anahuac National Bank's Tier 1 capital ratio of 24.12% and nonperforming loan ratio of 2.42% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Anahuac National Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #22381). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Anahuac National Bank holds $241M in total assets and $221M in total deposits. It is headquartered in Anahuac, Texas (FDIC Certificate #22381).
Anahuac National Bank has a Tier 1 capital ratio of 24.12%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.42%, and the return on assets is 1.00%.
Yes. Anahuac National Bank is FDIC-insured (Certificate #22381). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Anahuac National Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.