American National Bank-Fox Cities
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Data as of · sourced from FFIEC call reports. How we update
American National Bank-Fox Cities is an FDIC-insured commercial bank headquartered in Appleton, WI, established in 1993 (FDIC certificate 33812), and it is supervised by the OCC. At Q2 2026 it reported total assets of $432.6M, up 3.6% from Q2 2025, the 74th largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.59% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 33812
- Headquarters
- Appleton, WI
- Established
- 1993
- Total assets, Q2 2026
- $432.6M
- Assets vs Q2 2025
- +3.6%
- Tier 1 leverage ratio, Q2 2026
- 13.59%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 075912738
- Latest call report
- Q2 2026, FFIEC 051 · American National Bank-Fox Cities call report
- Holding company
- AMERICAN NATIONAL BANCORP, INC.
- Asset rank in state
- 74th of 153 in Wisconsin
American National Bank-Fox Cities pays more for its money than most banks of its size. Its balance sheet stood at $433 million at June 30, 2026, up 3.6% from a year earlier; it is based in Appleton, Wisconsin. It pays an average of 2.80% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Net income for the quarter rose 21% from a year earlier, to $1.6 million. Over the same year, loans grew 5.8% and deposits grew 0.3%. Its margin is thin by comparison: it keeps 3.16 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, American National Bank-Fox Cities reported a return on assets of 1.44%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
American National Bank-Fox Cities ranks as the 74th largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.4% to $432.6M, loans rose 0.3% and deposits fell 3.5%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 37.3% of total loans, ahead of commercial and industrial loans at 23.0%. The FDIC Summary of Deposits lists a single office for it, in Appleton, WI. Judged on its Q2 2026 call report, American National Bank-Fox Cities meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2200 N Richmond St, Appleton, WI 54911
- County
- Outagamie
- Metro Area
- Appleton, WI
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 14, 1993
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 32
- Domestic deposits
- $353.5M
- Allowance for credit losses
- $3.4M
- Net charge-offs (YTD)
- -$16K
- Average total assets
- $434.9M
- Average total loans
- $336.3M
- Average interest-bearing deposits
- $317.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 14, 1993
- FDIC Cert
- 33812
- Fed RSSD
- 2051127
- Website
- www.anbfc.bank →
- Parent Holding Company
- AMERICAN NATIONAL BANCORP, INC. (RSSD 2716640)
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 National Bank-Fox Cities reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, American National Bank-Fox Cities's total assets ran between $365.2M (Q3 2023) and $434.4M (Q1 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
$432.6M total assets against $417.4M; $378.7M total liabilities against $368.6M.
$330.7M net loans and leases against $312.5M; $353.5M total deposits against $352.5M.
$68.9M securities against $72.1M; $15.0M cash and balances due against $15.0M.
$6.1M total interest income against $5.8M; $2.8M total interest expense against $2.8M.
$3.3M net interest income against $3.0M.
$265K total noninterest income against $219K; $1.9M total noninterest expense against $1.9M.
$64K provision for credit losses against $61K.
$1.6M net income against $1.3M.
1.44% return on assets against 1.21%; 3.16% net interest margin against 2.95%.
13.59% tier 1 leverage ratio against 12.86%.
Inside the full American National Bank-Fox Cities terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAmerican National Bank-Fox Cities rankings
Its closest position to the top of a national ranking is 1,196 of 3,606, for efficiency ratio; its furthest is 3,423 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.61% (Q4 2024) to 1.73% (Q3 2025) and its net interest margin ran from 2.83% (Q3 2024) to 3.16% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.59% | 1.44% | 0.00% | 0.00% | 3.16% |
| Q1 2026 | 13.35% | 1.05% | 0.07% | 0.39% | 2.91% |
| Q4 2025 | 13.37% | 1.30% | 0.07% | 0.39% | 2.97% |
| Q3 2025 | 13.19% | 1.73% | 0.07% | 0.41% | 3.00% |
| Q2 2025 | 12.86% | 1.21% | 0.09% | 0.54% | 2.95% |
| Q1 2025 | 13.22% | 1.17% | 0.10% | 0.62% | 2.92% |
| Q4 2024 | 13.04% | 0.61% | 0.13% | 0.77% | 2.88% |
| Q3 2024 | 13.13% | 1.09% | 0.19% | 1.13% | 2.83% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 National Bank - Fox Cities | Appleton , WI | 54911 | $353.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in WI, rank 84 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 5 loans, $730K approved, $146K 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).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 National Bank-Fox Cities
What are American National Bank-Fox Cities's total assets?
As of the Q2 2026 filing, American National Bank-Fox Cities reported total assets of $432.6 million in its FFIEC call report.
Where is American National Bank-Fox Cities headquartered?
It is headquartered in Appleton, WI, United States.
When was American National Bank-Fox Cities founded?
It was established in 1993, per the FDIC institution directory.
Is American National Bank-Fox Cities FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #33812). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American National Bank-Fox Cities?
American National Bank-Fox Cities's primary federal regulator is the OCC.
How many branches does American National Bank-Fox Cities operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American National Bank-Fox Cities's Texas Ratio?
Its Texas Ratio is 0.00% 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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