AMERICAN NATIONAL BANK & TRUST

WICHITA FALLS, TX | Large | Est. Nov. 29, 1976, midnight | FDIC #22373 | RSSD #498362 | OCC
Latest Report: 2025-12-31

AMERICAN NATIONAL BANK & TRUST is aln large FDIC-insured commercial bank headquartered in WICHITA FALLS, TX, established in Nov. 29, 1976, midnight. As of 2025-12-31, the bank reported total assets of $2.4B and total deposits of $2.2B. Profitability stands at 0.90% ROA and 8.85% ROE, with a net interest margin of 3.31%. The bank's CET1 capital ratio is 12.54%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.77% and a Texas Ratio of 6.64%. FDIC Certificate #22373.

Assets

$2.4B

Deposits

$2.2B

Loans

$1.9B

Equity

$248M

Profitability

Return on Assets (ROA) 0.90%
Return on Equity (ROE) 8.85%
Net Interest Margin (NIM) 3.31%
Yield on Assets 6.32%
Cost of Funds 3.52%

Asset Quality

NPL Ratio 0.77%
Net Charge-Off Ratio 0.19%
Texas Ratio 6.64%
NPA Ratio 0.72%
ACL / Loans 1.01%

Capital & Liquidity

CET1 Ratio 12.54%
Tier 1 Capital 12.54%
Total Capital Ratio 13.58%
Leverage Ratio 10.15%
Loan-to-Deposit 86.69%

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