American National Bank & Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 4.39 percentage points in Q2 2026, from 126.93% to 131.32%. It was the largest change from Q1 2026 among the key lines here. Within Texas, American National Bank & Trust is 253rd of 345 on return on assets, 1.08% as of Q2 2026, below the middle of the field. American National Bank & Trust reported 1.08% on return on assets for Q2 2026, 0.20 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.66% |
| Tier 1 risk-based capital ratio | 12.66% |
| Total risk-based capital ratio | 13.77% |
| Tier 1 leverage ratio | 10.18% |
| Equity capital to assets | 10.15% |
| Tangible equity to tangible assets | 10.00% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.83% |
| Non-performing assets ratio | 0.76% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 7.37% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | 131.32% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.08% |
| Return on equity | 10.67% |
| Net interest margin | 3.27% |
| Efficiency ratio | 65.96% |
| Yield on earning assets | 5.91% |
| Cost of funds | 2.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.74% |
| Core deposits to total deposits | 71.54% |
| Brokered deposits to total deposits | 11.52% |
| Deposits to assets | 88.62% |
| Securities to assets | 5.56% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.92% | 11.92% | 13.17% | 10.20% | 0.80% |
| Q4 2023 | 11.93% | 11.93% | 13.17% | 9.85% | 0.81% |
| Q1 2024 | 11.77% | 11.77% | 13.01% | 9.62% | 0.60% |
| Q2 2024 | 12.20% | 12.20% | 13.43% | 10.16% | 0.74% |
| Q3 2024 | 12.15% | 12.15% | 13.39% | 10.14% | 0.82% |
| Q4 2024 | 12.33% | 12.33% | 13.43% | 9.97% | 0.71% |
| Q1 2025 | 12.62% | 12.62% | 13.78% | 9.99% | 0.86% |
| Q2 2025 | 12.68% | 12.68% | 13.77% | 10.20% | 0.97% |
| Q3 2025 | 12.66% | 12.66% | 13.69% | 10.30% | 0.88% |
| Q4 2025 | 12.54% | 12.54% | 13.58% | 10.15% | 0.89% |
| Q1 2026 | 12.59% | 12.59% | 13.68% | 10.18% | 0.89% |
| Q2 2026 | 12.66% | 12.66% | 13.77% | 10.18% | 1.08% |
American National Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American National Bank & Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)