The American National Bank of Texas
Also written as ANB of Texas
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Data as of · sourced from FFIEC call reports. How we update
The American National Bank of Texas is an FDIC-insured commercial bank headquartered in Terrell, TX, supervised by the OCC, with $5.51B in total assets at Q2 2026, little changed from Q2 2025, the 17th largest of 346 banks headquartered in Texas. It was established in 1981 and holds FDIC certificate 23474. Its CET1 capital ratio was 12.30% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 23474
- Headquarters
- Terrell, TX
- Established
- 1981
- Total assets, Q2 2026
- $5.51B
- Assets vs Q2 2025
- 0.0%
- CET1 ratio, Q2 2026
- 12.30%
- Domestic offices
- 28 · The American National Bank of Texas branches FDIC institution directory, current count
- Routing number
- 111901519
- Safety and soundness
- Is The American National Bank of Texas safe?
- Latest call report
- Q2 2026, FFIEC 041 · The American National Bank of Texas call report
- Holding company
- ANB CORPORATION, THE
- Asset rank in state
- 17th of 346 in Texas
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 880 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 10.49%).
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%. The figures come from its call report filed with the FFIEC.
The American National Bank of Texas ranks as the 17th largest of the 346 banks based in Texas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.7% to $5.51B, loans fell 0.3% and deposits fell 3.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 22.1% of total loans, followed by non-owner-occupied commercial real estate loans at 22.0%. The FDIC Summary of Deposits lists 28 offices for it, in 25 cities in TX; its Rockwall 2 offices book 13% of its branch deposits. By the capital ratios in its Q2 2026 call report, The American National Bank of Texas meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 28 FDIC institution directory, current count
- 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
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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The American National Bank of Texas's total assets ran between $5.46B (Q2 2024) and $6.88B (Q4 2025), 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
$5.51B total assets against $5.51B; $5.18B total liabilities against $5.22B.
$3.36B net loans and leases against $3.21B; $4.60B total deposits against $4.71B.
$1.73B securities against $1.85B; $119.2M cash and balances due against $155.7M.
$60.4M total interest income against $58.3M; $21.4M total interest expense against $25.2M.
$39.0M net interest income against $33.1M.
$8.8M total noninterest income against $8.2M; $35.5M total noninterest expense against $33.1M.
$400K provision for credit losses against $0.
$9.7M net income against $6.9M.
0.68% return on assets against 0.48%; 2.84% net interest margin against 2.41%.
12.30% CET1 capital ratio against 12.35%; 8.84% tier 1 leverage ratio against 8.70%.
Inside the full The American National Bank of Texas 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.
The American National Bank of Texas rankings
Its closest position to the top of a national ranking is 260 of 4,196, for total assets; its furthest is 3,052 of 3,611, for ROA.
Metric pages for The American National Bank of Texas: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.16% (Q3 2025) to 0.68% (Q2 2026) and its net interest margin ran from 2.31% (Q3 2024) to 2.84% (Q2 2026).
| 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
View all 28 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 |
|---|---|---|---|
| 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
Facts as filed or published, not a rating.
- 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 441 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).
- Not on file
- 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 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.
Where is The American National Bank of Texas headquartered?
It is headquartered in Terrell, TX, United States.
When was The American National Bank of Texas founded?
It was established in 1981, per the FDIC institution directory.
Is The American National Bank of Texas FDIC-insured?
Yes. It 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.
What is The American National Bank of Texas's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 2.27% 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.
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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