The American National Bank of Texas: Loan-to-Deposit Ratio
Data as of · sourced from FFIEC call reports. How we update
The American National Bank of Texas reported a loan-to-deposit ratio of 73.90% as of Q2 2026, ranking #2,501 of 3,639 U.S. banks (31st percentile). That is up 4.96 percentage points from 68.94% a year earlier, and below the 88.16% median of the 872 Large Community Banks ($1B–$10B in assets). The Loan-to-Deposit Ratio (LTD) measures loans against deposits. A high ratio means deposits are fully deployed and the bank may rely on wholesale funding to grow loans.
12-Quarter Trend
National Context
What is the Loan-to-Deposit Ratio?
The Loan-to-Deposit Ratio measures the bank's loans outstanding as a percentage of its deposit base. It captures how aggressively the bank is deploying its core funding into lending vs. holding liquid securities.
Most US community banks report LTD between 65% and 90%. The industry has been gradually de-leveraging. LTD has fallen from ~80% to ~70% since 2007. Banks above 100% are funding loans with non-deposit sources, a more rate-sensitive and lower-quality funding mix.
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What is The American National Bank of Texas's Loan-to-Deposit Ratio?
The American National Bank of Texas's Loan-to-Deposit Ratio was 73.90% as of Q2 2026, ranking #2501 of 3,639 U.S. banks.
What is the Loan-to-Deposit Ratio?
The Loan-to-Deposit Ratio measures the bank's loans outstanding as a percentage of its deposit base. It captures how aggressively the bank is deploying its core funding into lending vs. holding liquid securities.
More The American National Bank of Texas metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full The American National Bank of Texas profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 23474) · FFIEC NIC profile (RSSD 599764)