BanksAMERICAN NATIONAL BANK OF TEXAS, THE

AMERICAN NATIONAL BANK OF TEXAS, THE

TERRELL, TXLargeEst. July 1, 1981, midnightFDIC #23474RSSD #599764OCC
Latest · 2025-12-31

AMERICAN NATIONAL BANK OF TEXAS, THE is an FDIC-insured commercial bank headquartered in TERRELL, TX, established in July 1, 1981, midnight. As of 2025-12-31, the bank reported total assets of $6.9B and total deposits of $6.5B. Profitability stands at 0.45% ROA and 8.70% ROE, with a net interest margin of 2.64%. CET1 capital ratio: 11.91%, well above regulatory minimums. NPL ratio: 0.17% · Texas Ratio: 1.78%. Operates 27 domestic branches.

Assets
$6.9B
Deposits
$6.5B
Loans
$3.3B
Equity
$323M

Profitability

Return on Assets (ROA)0.45%
Return on Equity (ROE)8.70%
Net Interest Margin2.64%
Yield on Assets4.24%
Cost of Funds1.56%

Asset Quality

NPL Ratio0.17%
Net Charge-Off Ratio0.03%
Texas Ratio1.78%
NPA Ratio0.09%
ACL / Loans1.23%

Capital & Liquidity

CET1 Ratio11.91%
Tier 1 Capital11.91%
Total Capital Ratio13.13%
Leverage Ratio8.60%
Loan-to-Deposit51.14%

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