American National Bank & Trust: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 10.11 percentage points lower than in Q1 2026, at 389.75%. Within Texas, American National Bank & Trust is 86th of 346 on loan-to-deposit ratio, 85.74% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; American National Bank & Trust reported 85.74% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.93B |
| Net loans and leases | $1.91B |
| Loans held for sale | $18.5M |
| Loans to total assets | 75.98% |
| Loan-to-deposit ratio | 85.74% |
| Net loans to equity capital | 7.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.17% |
| Multifamily (5+ residential) | 4.05% |
| Commercial and industrial | 5.13% |
| Consumer | 0.67% |
| Credit cards | 0.00% |
| Farm | 2.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 389.75% |
| Construction concentration (Tier 1 capital + allowance) | 105.12% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.55% |
| Interest income on loans | $30.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.57B | $1.74B | 50.30% | 7.25% | 1.16% |
| Q4 2023 | $1.62B | $1.87B | 49.35% | 6.24% | 1.13% |
| Q1 2024 | $1.67B | $1.93B | 47.74% | 6.14% | 1.06% |
| Q2 2024 | $1.73B | $1.93B | 47.05% | 5.89% | 1.07% |
| Q3 2024 | $1.77B | $2.01B | 47.48% | 5.94% | 0.99% |
| Q4 2024 | $1.78B | $2.04B | 47.80% | 5.66% | 0.95% |
| Q1 2025 | $1.75B | $2.11B | 47.89% | 6.24% | 1.00% |
| Q2 2025 | $1.78B | $2.06B | 47.02% | 6.12% | 0.92% |
| Q3 2025 | $1.81B | $2.07B | 46.26% | 5.93% | 0.89% |
| Q4 2025 | $1.89B | $2.18B | 46.24% | 5.44% | 0.78% |
| Q1 2026 | $1.89B | $2.19B | 47.45% | 5.15% | 0.77% |
| Q2 2026 | $1.93B | $2.25B | 46.17% | 5.13% | 0.67% |
American National Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American National Bank & Trust, freeSource: Call Report Schedule RC-C, 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)