BanksAMERICAN NATIONAL BANK & TRUST

AMERICAN NATIONAL BANK & TRUST

WICHITA FALLS, TXLargeEst. Nov. 29, 1976, midnightFDIC #22373RSSD #498362OCC
Latest · 2025-12-31

AMERICAN NATIONAL BANK & TRUST is an 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%. CET1 capital ratio: 12.54%, well above regulatory minimums. NPL ratio: 0.77% · Texas Ratio: 6.64%. Operates 12 domestic branches.

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 Margin3.31%
Yield on Assets6.32%
Cost of Funds3.13%

Asset Quality

NPL Ratio0.77%
Net Charge-Off Ratio0.19%
Texas Ratio6.64%
NPA Ratio0.72%
ACL / Loans1.01%

Capital & Liquidity

CET1 Ratio12.54%
Tier 1 Capital12.54%
Total Capital Ratio13.58%
Leverage Ratio10.15%
Loan-to-Deposit86.69%

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