American First National aims to be the premier Asian-American owned financial institution in the United States. We are dedicated to conducting our business with the utmost ethical standards, ensuring safe and sound operations, and adhering to all relevant laws and regulations.

As an Asian-American owned National Bank, we reported total assets exceeding $2.588 billion as of December 31, 2023, and are fully insured by the FDIC. Our headquarters is located in Houston, Texas. Established by six founders in August 1997, we commenced operations on May 18, 1998. Our Corporate Office is situated at 9999 Bellaire Blvd., near the intersection of Beltway 8 and Bellaire Blvd., chosen for its proximity to a vibrant Asian-American community along the Bellaire Blvd. corridor. The Corporate Office occupies four floors of a 12-story building. In addition to our headquarters, we operate 20 branches across Texas, Nevada, and California. In Texas, we have six branches in the Houston Metro area: First Colony, Harwin, Spring, Katy, and Sugar Land, as well as seven branches in the Dallas Metro area: Richardson, Harry Hines, Legacy, Plano, Carrollton, Garland, and Arlington. In Nevada, our branches are located in Las Vegas, Pahrump, Amargosa Valley, and Henderson. In California, we have branches in City of Industry, Alhambra, Arcadia, and a Loan Production Office.

The Board of Directors at American First National consists of 14 members. Henry Wu has been the Chairman since the bank’s founding in 1998 and previously served as Chairman of Texas First National Bank (now Golden Bank, N.A.). The Board plays an active role in the bank’s management, ensuring proper internal controls and compliance with all applicable laws and regulations. They are also responsible for maximizing profits while considering the best interests of customers, shareholders, employees, and the community. The Board members include: Mr. Henry Wu, Chairman; Mr. Cheng Yuan Kao, Vice Chairman; Mr. Ray Chang, Vice Chairman; Mr. Bruce Chang, President/CEO; Mr. Andy Chien; Dr. George Tseng; Dr. Paul Cheng; Dr. Chong-Huey Wang; Mr. Steven Sun; Mr. Ronnie Miller; Mr. Ali Lakhany; Mr. Wen-Chuan Chen; Mr. Hank Chuang; and Mr. Gor-Pau Roy Wu.

Our Senior Management team is composed of seasoned bankers committed to fulfilling the Bank’s mission under the guidance of the Board of Directors. The team includes:

• Bruce Chang, President & CEO
• Fion Chen, EVP & Chief Lending Officer
• Eleanor Kwan, EVP & Chief Operations Officer
• Lucheng Mailloux, EVP & Nevada Regional Manager
• Peter Lam, EVP & California Regional Manager
• Michael Bailey, EVP & Chief Compliance Officer & CRA Officer
• Monnie Mak, 1st SVP & Assistant Chief Lending Officer
• Anita Nwosuocha, SVP & Chief Financial Officer
• Luke Yang, SVP & Dallas Regional Lending Manager
• Simon Lin, SVP & California Regional Portfolio Manager
• Jennifer Cho, SVP & Senior Lending Officer
• Mike Jan, SVP & Senior Lending Officer
• Lynn Lin, SVP & Senior Lending Officer
• Saeromee Kim, SVP & Senior Lending Officer
• Angeline Chen, SVP & Senior Lending Officer
• Jenny Yang, SVP & Senior Lending Officer
• Judith Lee, SVP & Senior Lending Officer
• Tim Chuang, SVP & Senior Lending Officer
• Dawning Ho, SVP & Investment Officer
• Michael Klobosits, SVP & Internal Audit Manager
• Kevin Hajek, SVP & Chief Information Security Officer
• Robert Pierce, SVP & Risk Management Manager
• LaTasha Franklin, SVP/BSA Manager/BSA Officer
• Jennifer Zhou, SVP/PR Manager
• Sook Kim, SVP & Marketing Officer
• Mike Fann, SVP & Controller/Cashier
• Fivan Tang, SVP & Chief Credit Administrator
• Jennifer Hao, SVP & Closing Department Manager
• Joanne You, SVP & HR Manager & Secretary to the Board
• Thalia Wang, SVP & Bookkeeping Department Manager
• Amy Gou, SVP & Harwin Branch Manager
• Linda Yi, SVP & Spring Branch Manager
• Nora Lao, SVP & Richardson Branch Manager
• Sun Kim, SVP & Harry Hines Branch Manager
• Jessie Lee, SVP & Legacy Branch Manager
• Joyce Lin, SVP & City of Industry Branch Manager

The team at American First National is predominantly Asian-American and is skilled in communicating in various languages. The main services offered by the bank include:

• Demand Deposit services, which cover checking accounts, money market accounts, and NOW accounts.
• Time and savings deposit services, including regular savings, money market savings, certificates of deposit, and IRAs.
• Loans for both businesses and consumers, such as working capital, commercial construction, real estate, automobiles, personal loans, and more.
• Trade financing services, which encompass letters of credit, international wire transfers, collections, and bill discounts.
• Internet and mobile banking services, featuring Zelle® and mobile deposit options.
• Additional services: Remote Deposit, ACH, safe deposit boxes, international and domestic wire transfers, cashier’s checks, ATMs, and notary services.

Furthermore, we have a knowledgeable International Banking Department that offers international banking services, including trade finance. We also maintain correspondent relationships with many major banks globally to facilitate international transactions. Our commitment to community involvement is significant, and we run an active Officer Call program. When requested, we provide speakers to local schools, businesses, and civic organizations, emphasizing financial literacy.