American National Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
American National Bank & Trust is an FDIC-insured commercial bank headquartered in Wichita Falls, TX, established in 1976 (FDIC certificate 22373), and it is supervised by the OCC. At Q2 2026 it reported total assets of $2.54B, up 9.1% from Q2 2025, the 45th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 12.66% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 22373
- Headquarters
- Wichita Falls, TX
- Established
- 1976
- Total assets, Q2 2026
- $2.54B
- Assets vs Q2 2025
- +9.1%
- CET1 ratio, Q2 2026
- 12.66%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 111907144
- Latest call report
- Q2 2026, FFIEC 041 · American National Bank & Trust call report
- Holding company
- AMERIBANCSHARES OF DELAWARE, INC.
- Asset rank in state
- 45th of 346 in Texas
American National Bank & Trust leans heavily on commercial real estate. The Wichita Falls, Texas bank had $2.5 billion in assets at June 30, 2026, up 9.1% from a year earlier. It holds commercial real estate loans worth 3.9 times its capital, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.2 times). It also pays an average of 2.90% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
Net income for the quarter rose 20% from a year earlier, to $6.8 million. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.88% of loans, down from 1.21% a year earlier. Credit is the area to watch: it carries problem assets equal to 7.4% of the capital and reserves that would absorb them, about double the median of 3.6% for banks its size.
As of June 30, 2026, American National Bank & Trust reported a CET1 capital ratio of 12.66%, a return on assets of 1.08%, a nonperforming-loan ratio of 0.88% and a Texas ratio of 7.35%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, American National Bank & Trust is the 45th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.7% to $2.54B, loans rose 2.1% and deposits rose 2.6%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 36.8% of total loans, ahead of 1-4 family residential loans at 18.5%. Its 13 offices in the FDIC Summary of Deposits are in 11 cities in TX; its Wichita Falls 3 offices book 76% of its branch deposits. Judged on its Q2 2026 call report, American National Bank & Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2732a Midwestern Pkwy, Wichita Falls, TX 76308
- County
- Wichita
- Metro Area
- Wichita Falls, 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
- November 29, 1976
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 334
- Domestic deposits
- $2.25B
- Allowance for credit losses
- $20.9M
- Net charge-offs (YTD)
- $31K
- Average total assets
- $2.52B
- Average total loans
- $1.89B
- Average interest-bearing deposits
- $1.91B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 29, 1976
- FDIC Cert
- 22373
- Fed RSSD
- 498362
- SEC CIK
- 1787698 → filed by AMERIBANCSHARES, INC.
- Website
- www.amnat.com →
- Parent Holding Company
- AMERIBANCSHARES OF DELAWARE, INC. (RSSD 2507204)
- Ultimate Parent
- AMERIBANCSHARES, INC. (RSSD 2507183)
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
American National Bank & Trust's total assets moved between a low of $2.01B (Q3 2023) and a high of $2.54B (Q2 2026) from Q3 2023 to 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
$2.54B total assets against $2.32B; $2.28B total liabilities against $2.09B.
$1.91B net loans and leases against $1.77B; $2.25B total deposits against $2.06B.
$140.9M securities against $120.0M; $358.2M cash and balances due against $318.5M.
$36.2M total interest income against $33.4M; $16.2M total interest expense against $16.6M.
$19.9M net interest income against $16.9M.
$8.0M total noninterest income against $7.0M; $18.6M total noninterest expense against $15.9M.
$914K provision for credit losses against $900K.
$6.8M net income against $5.6M.
1.08% return on assets against 0.97%; 3.27% net interest margin against 3.00%.
12.66% CET1 capital ratio against 12.68%; 10.18% tier 1 leverage ratio against 10.20%.
Inside the full American National Bank & Trust 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
American National Bank & Trust rankings
Its closest position to the top of a national ranking is 490 of 4,196, for total assets; its furthest is 1,512 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.71% (Q4 2024) to 1.08% (Q2 2026) and its net interest margin ran from 2.76% (Q1 2025) to 3.27% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.66% | 1.08% | 0.88% | 7.35% | 3.27% |
| Q1 2026 | 12.59% | 0.89% | 0.84% | 7.14% | 3.12% |
| Q4 2025 | 12.54% | 0.89% | 1.01% | 8.52% | 3.11% |
| Q3 2025 | 12.66% | 0.88% | 1.21% | 8.55% | 3.05% |
| Q2 2025 | 12.68% | 0.97% | 1.21% | 8.51% | 3.00% |
| Q1 2025 | 12.62% | 0.86% | 1.07% | 7.61% | 2.76% |
| Q4 2024 | 12.33% | 0.71% | 1.06% | 7.74% | 2.77% |
| Q3 2024 | 12.15% | 0.82% | 1.02% | 7.48% | 2.82% |
Swipe the table sideways to see every column.
Branch Network
View all 13 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 National Bank & Trust (main office) | Wichita Falls , TX | 76308 | $1.63B |
| Flower Mound Branch | Flower Mound , TX | 75028 | $146.0M |
| American National Bank & Trust Branch | Denton , TX | 76201 | $102.9M |
| Fort Worth Branch | Fort Worth , TX | 76102 | $88.6M |
| Downtown Wichita Falls Branch | Wichita Falls , TX | 76301 | $69.0M |
| Dallas Branch | Dallas , TX | 75244 | $57.1M |
| Quanah Branch | Quanah , TX | 79252 | $34.0M |
| Roanoke Branch | Roanoke , TX | 76262 | $26.9M |
| Archer City Branch | Archer City , TX | 76351 | $24.8M |
| The First National Bank of Chillicothe Branch | Chillicothe , TX | 79225 | $23.4M |
| 219 West Park Branch | Iowa Park , TX | 76367 | $20.7M |
| Elmwood Branch | Wichita Falls , TX | 76308 | $18.2M |
| Decatur Branch | Decatur , TX | 76234 | $4.5M |
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 |
|---|---|---|---|
| August 15, 2015 | M&A | Acquired The First National Bank of Chillicothe merger for the acquired bank | SEC |
| August 15, 2015 | Structure Change | Acquired The First National Bank of Chillicothe Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 14, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC); 2 against individuals associated with it
- February 22, 2011, OCC: Formal Agreement: American National Bank
- January 27, 1993, OCC: Prompt Corrective Action (PCA) Directive: American National Bank
- Period: Most recent institution action February 22, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in TX, rank 61 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,299 applications, 1,039 loans originated, $352.5M originated, across 12 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.5M approved, $1.5M 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 American National Bank & Trust
What are American National Bank & Trust's total assets?
As of the Q2 2026 filing, American National Bank & Trust reported total assets of $2.54 billion in its FFIEC call report.
Where is American National Bank & Trust headquartered?
It is headquartered in Wichita Falls, TX, United States.
When was American National Bank & Trust founded?
It was established in 1976, per the FDIC institution directory.
Is American National Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22373). 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 & Trust?
American National Bank & Trust's primary federal regulator is the OCC.
What is American National Bank & Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.66% in its Q2 2026 call report, above regulatory requirements.
How many branches does American National Bank & Trust operate?
It operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American National Bank & Trust's Texas Ratio?
Its Texas Ratio is 7.35% 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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