American Nation Bank
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Data as of · sourced from FFIEC call reports. How we update
American Nation Bank is an FDIC-insured commercial bank headquartered in Ardmore, OK, established in 1983 (FDIC certificate 24472), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $691.5M, up 1.1% from Q2 2025, the 37th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.31% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 24472
- Headquarters
- Ardmore, OK
- Established
- 1983
- Total assets, Q2 2026
- $691.5M
- Assets vs Q2 2025
- +1.1%
- Tier 1 leverage ratio, Q2 2026
- 10.31%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 103102960
- Latest call report
- Q2 2026, FFIEC 051 · American Nation Bank call report
- Holding company
- AMCORP FINANCIAL, INC.
- Asset rank in state
- 37th of 169 in Oklahoma
Little in American Nation Bank's latest call report stands out. It reported $691 million in assets at June 30, 2026, up 1.1% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Loans and deposits moved in opposite directions: over the year loans rose 6.4% and deposits fell 0.4%. Delinquency has appeared in its $109 million non-owner-occupied commercial real estate book: 0.60% of those loans are past due or on nonaccrual, against almost none a year earlier. Funding is the softer spot: it pays an average of 2.35% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, American Nation Bank reported a return on assets of 1.49%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 6.61%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, American Nation Bank is the 37th largest of the 169 banks headquartered in Oklahoma. From Q1 2026 to Q2 2026, its total assets rose 0.5% to $691.5M, loans rose 0.5% and deposits rose 0.2%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 22.4% of total loans, followed by 1-4 family residential loans at 19.8%. Its 10 offices in the FDIC Summary of Deposits are in 7 cities across 2 states; its Ardmore 4 offices book 56% of its branch deposits. Judged on its Q2 2026 call report, American Nation Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1901 N Commerce St, Ardmore, OK 73401
- County
- Carter
- Metro Area
- Ardmore, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 2, 1983
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 118
- Domestic deposits
- $577.7M
- Allowance for credit losses
- $7.4M
- Net charge-offs (YTD)
- -$12K
- Average total assets
- $696.9M
- Average total loans
- $486.6M
- Average interest-bearing deposits
- $465.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 2, 1983
- FDIC Cert
- 24472
- Fed RSSD
- 256058
- Website
- www.bankanb.com →
- Parent Holding Company
- AMCORP FINANCIAL, INC. (RSSD 1131853)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, American Nation Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, American Nation Bank's total assets ranged from $626.2M (Q4 2023) to $691.5M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$691.5M total assets against $684.3M; $625.5M total liabilities against $625.6M.
$478.1M net loans and leases against $448.5M; $577.7M total deposits against $579.7M.
$150.3M securities against $155.2M; $37.9M cash and balances due against $55.1M.
$10.2M total interest income against $9.9M; $3.6M total interest expense against $4.0M.
$6.5M net interest income against $5.9M.
$746K total noninterest income against $858K; $4.7M total noninterest expense against $4.0M.
$0 provision for credit losses against $200K.
$2.6M net income against $2.6M.
1.49% return on assets against 1.52%; 3.95% net interest margin against 3.62%.
10.31% tier 1 leverage ratio against 9.73%.
Inside the full American Nation Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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.
American Nation Bank rankings
Its closest position to the top of a national ranking is 1,019 of 3,640, for Texas Ratio; its furthest is 2,214 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.10% (Q4 2024) to 1.56% (Q3 2025) and its net interest margin ran from 3.29% (Q4 2024) to 3.95% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.31% | 1.49% | 0.06% | 6.61% | 3.95% |
| Q1 2026 | 10.12% | 1.55% | 0.06% | 7.25% | 3.74% |
| Q4 2025 | 10.03% | 1.54% | 0.04% | 7.70% | 3.85% |
| Q3 2025 | 9.87% | 1.56% | 0.05% | 7.84% | 3.69% |
| Q2 2025 | 9.73% | 1.52% | 0.11% | 9.26% | 3.62% |
| Q1 2025 | 9.83% | 1.39% | 0.67% | 13.44% | 3.41% |
| Q4 2024 | 9.52% | 1.10% | 0.10% | 10.02% | 3.29% |
| Q3 2024 | 9.54% | 1.33% | 0.48% | 12.45% | 3.32% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| American Nation Bank (main office) | Ardmore , OK | 73401 | $235.0M |
| Keller Branch | Keller , TX | 76248 | $72.3M |
| Saginaw Branch | Saginaw , TX | 76179 | $56.2M |
| Wilson Branch | Wilson , OK | 73463 | $55.3M |
| Lone Grove Branch | Ardmore , OK | 73401 | $50.5M |
| Comanche Branch | Comanche , OK | 73529 | $31.8M |
| South Commerce Branch | Ardmore , OK | 73401 | $28.0M |
| Marietta Banking Center Branch | Marietta , OK | 73448 | $21.1M |
| Durant Banking Center | Durant , OK | 74701 | $17.1M |
| Homeland Grocery Store Branch | Ardmore , OK | 73401 | $10.2M |
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 |
|---|---|---|---|
| April 1, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2010 | Structure Change | Acquired American Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 27, 1990 | Structure Change | Acquired The Bank of Wilson Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 26, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 23, 1988 | Structure Change | Acquired The Security State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 22, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in OK, rank 55 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 96 applications, 72 loans originated, $15.2M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $38K approved, $38K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about American Nation Bank
What are American Nation Bank's total assets?
As of the Q2 2026 filing, American Nation Bank reported total assets of $691.5 million in its FFIEC call report.
Where is American Nation Bank headquartered?
It is headquartered in Ardmore, OK, United States.
When was American Nation Bank founded?
It was established in 1983, per the FDIC institution directory.
Is American Nation Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #24472). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Nation Bank?
American Nation Bank's primary federal regulator is the Federal Reserve.
How many branches does American Nation Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Nation Bank's Texas Ratio?
Its Texas Ratio is 6.61% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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