The American National Bank of Texas: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
The American National Bank of Texas, based in Terrell, Texas, reported $5.5 billion in assets at June 30, 2026. It keeps 2.84 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also funds 8.84% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.52%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $253 million equal 50% of Tier 1 capital, down from 60% a year earlier. Earnings jumped: net income for the quarter was $9.7 million, 41% above the same quarter a year earlier. Costs are the weak spot: it spends about 74 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, The American National Bank of Texas reported a CET1 capital ratio of 12.30%, a return on assets of 0.68%, a nonperforming-loan ratio of 0.23% and a Texas ratio of 2.27%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 102 W Moore Ave, Terrell, TX 75160
- County
- Kaufman
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- July 1, 1981
- Former names
- The American National Bank of Texas (1995); American National Bank of Terrell (1994-1995)
- Offices
- 28 domestic
- Employees (FTE)
- 604
- Domestic deposits
- $4.60B
- Allowance for credit losses
- $43.0M
- Net charge-offs (YTD)
- $438K
- Average total assets
- $5.73B
- Average total loans
- $3.40B
- Average interest-bearing deposits
- $3.02B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 1, 1981
- FDIC Cert
- 23474
- Fed RSSD
- 599764
- Website
- www.anbtx.com →
- Parent Holding Company
- ANB CORPORATION, THE (RSSD 2326629)
- Ultimate Parent
- A.N.B. HOLDING COMPANY, LTD. (RSSD 1895007)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The American National Bank of Texas terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The American National Bank of Texas, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The American National Bank of Texas rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for The American National Bank of Texas: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.30% | 0.68% | 0.23% | 2.27% | 2.84% |
| Q1 2026 | 12.13% | 0.62% | 0.25% | 2.42% | 2.83% |
| Q4 2025 | 11.90% | 0.49% | 0.17% | 1.89% | 2.75% |
| Q3 2025 | 12.17% | 0.16% | 0.09% | 1.19% | 2.55% |
| Q2 2025 | 12.35% | 0.48% | 0.11% | 1.25% | 2.41% |
| Q1 2025 | 12.55% | 0.49% | 0.10% | 1.06% | 2.64% |
| Q4 2024 | 12.60% | 0.19% | 0.10% | 1.15% | 2.43% |
| Q3 2024 | 13.15% | 0.47% | 0.10% | 0.79% | 2.31% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 28 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The American National Bank of Texas | Terrell , TX | 75160 | $515.4M |
| Rockwall Branch | Rockwall , TX | 75032 | $500.5M |
| Allen Branch | Allen , TX | 75002 | $422.9M |
| Kaufman Branch | Kaufman , TX | 75142 | $371.6M |
| Dallas Central Branch | Dallas , TX | 75219 | $317.8M |
| The American National Bank Forney Branch | Forney , TX | 75126 | $243.7M |
| Greenville Branch | Greenville , TX | 75402 | $210.1M |
| Mansfield Branch | Mansfield , TX | 76063 | $208.4M |
| Mesquite Branch | Mesquite , TX | 75149 | $166.8M |
| Mckinney Banking Center | Mckinney , TX | 75070 | $163.6M |
| Crandall Branch | Crandall , TX | 75114 | $138.5M |
| Wylie Branch | Wylie , TX | 75098 | $121.8M |
| Plano Parkway Branch | Plano , TX | 75074 | $120.5M |
| Quinlan Branch | Quinlan , TX | 75474 | $112.6M |
| Royse City Banking Center Branch | Royse City , TX | 75189 | $110.4M |
| Canton Branch | Canton , TX | 75103 | $109.0M |
| Precinct Line Road Branch | Hurst , TX | 76054 | $108.9M |
| Rockwall North Banking Center | Rockwall , TX | 75087 | $104.2M |
| Burleson Branch | Burleson , TX | 76028 | $93.3M |
| Sachse Banking Center Branch | Sachse , TX | 75048 | $90.0M |
| Seagoville Branch | Seagoville , TX | 75159 | $88.3M |
| 7th Street Branch | Fort Worth , TX | 76107 | $87.2M |
| Rowlett Liberty Grove Branch | Rowlett , TX | 75088 | $66.5M |
| Wills Point Branch | Wills Point , TX | 75169 | $57.7M |
| Greenville East Branch | Greenville , TX | 75402 | $25.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 8, 2018 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 8, 2018 | M&A | Acquired First State Bank merger for the acquired bank | SEC |
| September 7, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 7, 2008 | Structure Change | Acquired Dallas National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 7, 2008 | M&A | Acquired Dallas National Bank merger for the acquired bank | SEC |
| June 6, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 23, 2008 | M&A | Acquired Citizens National Bank merger for the acquired bank | SEC |
| February 23, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 23, 2008 | Structure Change | Acquired Citizens National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 1999 | Structure Change | Acquired The Bank of Van Zandt Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 1999 | M&A | Acquired The Bank of Van Zandt merger for the acquired bank | SEC |
| June 1, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1998 | M&A | Acquired The First National Bank of Wills Point merger for the acquired bank | SEC |
| January 1, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1998 | Structure Change | Acquired The First National Bank of Wills Point Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 19, 1994 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 19, 1994 | M&A | Acquired another institution merger for the acquired bank | SEC |
| September 19, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 20, 1990 | Structure Change | Acquired First State Bank of Crandall Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 20, 1990 | M&A | Acquired First State Bank of Crandall failure_government_assistance_provided for the acquired bank | SEC |
| July 1, 1989 | M&A | Acquired Independent Bank East N.A. failure_government_assistance_provided for the acquired bank | SEC |
| July 1, 1989 | Structure Change | Acquired Independent Bank East N.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 22 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for The American National Bank of Texas, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- June 2, 2010, OCC: Formal Agreement: American Bank of Texas, National Association
- Period: Most recent institution action June 2, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in TX, rank 35 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 902 applications, 600 loans originated, $222.0M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 15 loans, $7.2M approved, $482K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The American National Bank of Texas
What are The American National Bank of Texas's total assets?
As of the Q2 2026 filing, The American National Bank of Texas reported total assets of $5.51 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The American National Bank of Texas headquartered?
The American National Bank of Texas is headquartered in Terrell, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The American National Bank of Texas founded?
The American National Bank of Texas was established in 1981, per the FDIC institution directory.
Is The American National Bank of Texas FDIC-insured?
Yes. The American National Bank of Texas is an FDIC-insured commercial bank (FDIC Certificate #23474). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The American National Bank of Texas?
The American National Bank of Texas's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The American National Bank of Texas's CET1 capital ratio?
The American National Bank of Texas reported a Common Equity Tier 1 (CET1) capital ratio of 12.30% in its Q2 2026 call report, above regulatory requirements.
How many branches does The American National Bank of Texas operate?
The American National Bank of Texas operates 28 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The American National Bank of Texas's Texas Ratio?
The American National Bank of Texas's Texas Ratio is 2.27% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The American National Bank of Texas previously called?
The charter now named The American National Bank of Texas has also operated as The American National Bank of Texas (1995), American National Bank of Terrell (1994-1995), per FDIC structure-change records.
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