American National Bank & Trust: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 31.2% lower than in Q1 2026, at -$1.7M. American National Bank & Trust ranks 163rd of 184 Texas banks on CET1 ratio, in the lower half at 12.66% (Q2 2026). American National Bank & Trust reported 12.66% on CET1 ratio for Q2 2026, 0.82 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.66% |
| Tier 1 risk-based capital ratio | 12.66% |
| Total risk-based capital ratio | 13.77% |
| Tier 1 leverage ratio | 10.18% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $255.8M |
| Tier 1 capital | $255.8M |
| Total risk-based capital | $278.1M |
| Total equity capital | $257.5M |
| Risk-weighted assets | $2.02B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.15% |
| Tangible equity to tangible assets | 10.00% |
| Equity capital to average assets | 10.23% |
| Internal capital growth rate | 10.81% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.7M |
| Common stock surplus | $92.1M |
| Retained earnings | $165.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.7M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.92% | 11.92% | 13.17% | 10.20% | $1.67B |
| Q4 2023 | 11.93% | 11.93% | 13.17% | 9.85% | $1.71B |
| Q1 2024 | 11.77% | 11.77% | 13.01% | 9.62% | $1.76B |
| Q2 2024 | 12.20% | 12.20% | 13.43% | 10.16% | $1.82B |
| Q3 2024 | 12.15% | 12.15% | 13.39% | 10.14% | $1.85B |
| Q4 2024 | 12.33% | 12.33% | 13.43% | 9.97% | $1.86B |
| Q1 2025 | 12.62% | 12.62% | 13.78% | 9.99% | $1.83B |
| Q2 2025 | 12.68% | 12.68% | 13.77% | 10.20% | $1.87B |
| Q3 2025 | 12.66% | 12.66% | 13.69% | 10.30% | $1.90B |
| Q4 2025 | 12.54% | 12.54% | 13.58% | 10.15% | $1.96B |
| Q1 2026 | 12.59% | 12.59% | 13.68% | 10.18% | $1.98B |
| Q2 2026 | 12.66% | 12.66% | 13.77% | 10.18% | $2.02B |
American National Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock American National Bank & Trust, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full American National Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22373) · FFIEC NIC profile (RSSD 498362)