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Anahuac National Bank

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Anahuac National Bank Rates & Review October 2026

Q: How many branches does Anahuac National Bank operate?

Anahuac National Bank currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Anahuac National Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Anahuac National Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Anahuac National Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.98%, 6-month CD rates at 2.84% and 3-month CD rates at 2.66%. Savings rates are at 0.89% and money market rates are at 1.20%. Mortgage rates on 30-year fixed loans are around 7.38%. These rates come from our rate database, not Anahuac National Bank, and you can see how they compare in the Anahuac National Bank rate tables below. MonitorBankRates evaluates the financial stability of Anahuac National Bank with a 1.9 Star Rating, an D Overall Health Grade, and a Texas Ratio of 2.97%. Database rates last updated and verified on 10/13/2026.

Anahuac National Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Anahuac National Bank? Share your experience about Anahuac National Bank by leaving a review below, or read customer reviews before you decide to use Anahuac National Bank.

Overall Health & Safety Grade

Weak Health Score: 68/100

MonitorBankRates Rating

1.9

Weak Out of 5.0 Stars

Texas Ratio

2.97%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Anahuac National Bank

801 Ross Sterling Ave
Anahuac, TX 77514

https://www.anbank.net/

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Anahuac National Bank Other Rates

Product	Rate	Points	APY/APR
Kasasa Cash Checking	2.00%	-	2.02%
Min Deposit $50 Min Balance $15,000 Details Qualifications Required: At least 1 direct deposit or ACH credit transaction(s); At least 20 debit card purchases, each greater than $5.00; Balances over $15,000 earn an interest rate of 0.499% resulting in a range from 2.02% to 0.50% APY, depending on the account's average daily balance. Interest will be compounded monthly. Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle. If you close your account before the interest is credited, you will not receive the accrued interest. We use the average daily balance method to calculate the interest on your Kasasa Cash account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is monthly. For noncash items (for example, checks), interest begins to accrue on the business day of your deposit. You may make an unlimited number of deposits into your account. You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, PIN-based or signature based debit card purchases less than $5.00, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. 'Monthly Qualification Cycle' means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. 'Banking Day' means any business day on which an office of the bank is open to the public for the purpose of carrying out substantially all of its banking functions. 'Business Day' means a calendar day other than a Saturday or a Sunday and all Federal Holidays. 'Statement Cycle' means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account. APY = Annual Percentage Yield. APY calculations are based on an assumed balance of $15,000 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. Balance computation methodology varies by account's qualifying status. Interest Rates, APY, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. You will automatically qualify for the account's rewards during your account's first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards. This account is intended to be the accountholder's primary checking account in which payroll transactions and day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting and entertainment transactions are posted and settled. Commensurate with the spending activities identified above, we expect the account's debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account's rewards and thus will be deemed inappropriate transactions and will not count toward earning the account's rewards. The Bank reserves the right to determine if the account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different checking account or closed altogether. We also reserve the right to convert the account to a different checking account if the account does not have consistent active use over three consecutive Statement Cycles. We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect your existing obligations to us including any obligation to pay fees or charges incurred prior to termination. If the account is closed, you will forfeit any rewards that have not been credited to your account. No deposits will be accepted and no checks will be paid after the account is closed. An official bank check for the remaining balance, if applicable, will be mailed to accountholder at the address indicated on our current records. Upon termination of your Kasasa Cash account, any optional add-on products/services associated with this account will also be terminated at the same time. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $50 minimum deposit is required to open this account. eStatement is a condition of this account. See accompanying schedule of Limits and Fees Disclosure for fees that may apply to this account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of one account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. Contact one of our bank service representatives for additional information. Member FDIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 3 times Institution Ratings 1.9 Star Rating D Health Grade ◈ Texas Ratio: 2.97%
Kasasa Cash Checking	0.499%	-	0.50%
Min Deposit $50 Min Balance $15,000 Details Qualifications Required: At least 1 direct deposit or ACH credit transaction(s); At least 20 debit card purchases, each greater than $5.00; Balances over $15,000 earn an interest rate of 0.499% resulting in a range from 2.02% to 0.50% APY, depending on the account's average daily balance. Interest will be compounded monthly. Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle. If you close your account before the interest is credited, you will not receive the accrued interest. We use the average daily balance method to calculate the interest on your Kasasa Cash account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is monthly. For noncash items (for example, checks), interest begins to accrue on the business day of your deposit. You may make an unlimited number of deposits into your account. You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, PIN-based or signature based debit card purchases less than $5.00, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. 'Monthly Qualification Cycle' means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. 'Banking Day' means any business day on which an office of the bank is open to the public for the purpose of carrying out substantially all of its banking functions. 'Business Day' means a calendar day other than a Saturday or a Sunday and all Federal Holidays. 'Statement Cycle' means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account. APY = Annual Percentage Yield. APY calculations are based on an assumed balance of $15,000 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. Balance computation methodology varies by account's qualifying status. Interest Rates, APY, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. You will automatically qualify for the account's rewards during your account's first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards. This account is intended to be the accountholder's primary checking account in which payroll transactions and day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting and entertainment transactions are posted and settled. Commensurate with the spending activities identified above, we expect the account's debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account's rewards and thus will be deemed inappropriate transactions and will not count toward earning the account's rewards. The Bank reserves the right to determine if the account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different checking account or closed altogether. We also reserve the right to convert the account to a different checking account if the account does not have consistent active use over three consecutive Statement Cycles. We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect your existing obligations to us including any obligation to pay fees or charges incurred prior to termination. If the account is closed, you will forfeit any rewards that have not been credited to your account. No deposits will be accepted and no checks will be paid after the account is closed. An official bank check for the remaining balance, if applicable, will be mailed to accountholder at the address indicated on our current records. Upon termination of your Kasasa Cash account, any optional add-on products/services associated with this account will also be terminated at the same time. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $50 minimum deposit is required to open this account. eStatement is a condition of this account. See accompanying schedule of Limits and Fees Disclosure for fees that may apply to this account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of one account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. Contact one of our bank service representatives for additional information. Member FDIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A. Last Updated 10/11/2026 Rate History 1 change since Sep 14, 2026 · 2.02% → 0.50% ▼ 1.52 pts · high 2.02% / low 0.50% Oct 7, 20260.50%▼ from 2.02% Sep 14, 20262.02%first recorded Institution Ratings 1.9 Star Rating D Health Grade ◈ Texas Ratio: 2.97%
Kasasa Cash Checking	2.00%	-	2.02%
Min Balance $0 Details Qualifications Required: 2.000% Interest Rate; 2.02% APY; Balance: 0 - $15,000 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 2.02% APY · checked 6 times Institution Ratings 1.9 Star Rating D Health Grade ◈ Texas Ratio: 2.97%
Kasasa Cash Checking	0.05%	-	0.05%
Min Deposit $50 Details Qualifications Required: At least 1 direct deposit or ACH credit transaction(s); At least 20 debit card purchases, each greater than $5.00; When Kasasa Cash qualifications are not met, ATM withdrawal fees are not refunded and the interest rate earned on the account's entire average daily balance in the account will be 0.05% resulting in an APY of 0.05%. Interest will be compounded monthly. Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle. If you close your account before the interest is credited, you will not receive the accrued interest. We use the average daily balance method to calculate the interest on your Kasasa Cash account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is monthly. For noncash items (for example, checks), interest begins to accrue on the business day of your deposit. You may make an unlimited number of deposits into your account. You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, PIN-based or signature based debit card purchases less than $5.00, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. 'Monthly Qualification Cycle' means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. 'Banking Day' means any business day on which an office of the bank is open to the public for the purpose of carrying out substantially all of its banking functions. 'Business Day' means a calendar day other than a Saturday or a Sunday and all Federal Holidays. 'Statement Cycle' means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account. APY = Annual Percentage Yield. APY calculations are based on an assumed balance of $15,000 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. Balance computation methodology varies by account's qualifying status. Interest Rates, APY, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. You will automatically qualify for the account's rewards during your account's first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards. This account is intended to be the accountholder's primary checking account in which payroll transactions and day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting and entertainment transactions are posted and settled. Commensurate with the spending activities identified above, we expect the account's debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account's rewards and thus will be deemed inappropriate transactions and will not count toward earning the account's rewards. The Bank reserves the right to determine if the account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different checking account or closed altogether. We also reserve the right to convert the account to a different checking account if the account does not have consistent active use over three consecutive Statement Cycles. We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect your existing obligations to us including any obligation to pay fees or charges incurred prior to termination. If the account is closed, you will forfeit any rewards that have not been credited to your account. No deposits will be accepted and no checks will be paid after the account is closed. An official bank check for the remaining balance, if applicable, will be mailed to accountholder at the address indicated on our current records. Upon termination of your Kasasa Cash account, any optional add-on products/services associated with this account will also be terminated at the same time. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $50 minimum deposit is required to open this account. eStatement is a condition of this account. See accompanying schedule of Limits and Fees Disclosure for fees that may apply to this account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of one account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. Contact one of our bank service representatives for additional information. Member FDIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 1.9 Star Rating D Health Grade ◈ Texas Ratio: 2.97%
Kasasa Saver Savings	0.995%	-	1.00%
Min Balance $0 Details Balance: 0 - $25,000 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 1.9 Star Rating D Health Grade ◈ Texas Ratio: 2.97%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Anahuac National Bank’s Texas Ratio rose from 1.39% in Q3 2023 to 2.97% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 1.0 to 1.9 and its Health Grade from F to D. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$266M	2.97%	1.9	D
March 31, 2026	$294M	1.07%	1.1	D
December 31, 2025	$284M	0.99%	1.5	D
September 30, 2025	$254M	0.53%	1.4	D
June 30, 2025	$260M	1.03%	1.0	F
March 31, 2025	$292M	1.00%	1.0	F
December 31, 2024	$234M	4.14%	1.0	F
September 30, 2024	$234M	0.28%	4.0	B+
June 30, 2024	$241M	24.47%	1.0	F
March 31, 2024	$277M	0.33%	1.1	D
December 31, 2023	$254M	3.58%	1.7	D
September 30, 2023	$243M	1.39%	1.0	F

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Anahuac National Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Anahuac National Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Anahuac National Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Anahuac National Bank

Bank Holding Company ANAHUAC BANCSHARES INC

Address 801 Ross Sterling Ave, Anahuac, TX 77514 · Chambers

Website https://www.anbank.net/

FDIC Certificate # 22381

Established 19761220

FDIC Insurance Date 19761220

Domestic Offices 5

Total Branches 5

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 68/100

1.9

Weak Out of 5.0 Stars

2.97%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9554%

Return on Equity (ROE) 27.4000%

Non-Performing Loans (NPL) 0.12%

Total Assets $266,425,000

Total Deposits $255,064,000

Equity Capital $10,499,000

Net Income $1,345,000

Headquarters Anahuac

Total Branches and Offices 5

Source: FDIC | Last Updated 06/30/2026

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Frequently Asked Questions About Anahuac National Bank

How many branches does Anahuac National Bank operate?

Anahuac National Bank currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Anahuac National Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Anahuac National Bank provides members with tools to manage their accounts and build a solid financial history.

Does Anahuac National Bank offer online and mobile banking?

Most modern institutions like Anahuac National Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.anbank.net/.