American National Bank & Trust: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
This quarter marks the 50-year anniversary of American National Bank & Trust's 1976 charter. American National Bank & Trust is a community bank chartered in 1976, based in Wichita Falls, TX. Total assets stand at $2.5B. Earnings are mid-range, 1.08% ROA and a 3.27% net interest margin. Capital is comfortably above regulatory requirements, CET1 ratio of 12.66% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are in line with industry norms, 0.83% NPL ratio. American National Bank & Trust operates a 14-branch network.
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 0.83%, a Texas ratio of 7.37%, per financial data filed with the FFIEC.
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
- Offices
- 14 domestic
- Employees (FTE)
- 334
- Domestic deposits
- $2.25B
- Allowance for credit losses
- $20.9M
- Net charge-offs (YTD)
- $31K
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full American National Bank & Trust terminal
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Unlock American National Bank & Trust, 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.66% | 1.08% | 0.83% | 7.37% | 3.27% |
| Q1 2026 | 12.59% | 0.89% | 0.83% | 7.15% | 3.12% |
| Q4 2025 | 12.54% | 0.89% | 0.77% | 8.53% | 3.11% |
| Q3 2025 | 12.66% | 0.88% | 0.93% | 8.56% | 3.05% |
| Q2 2025 | 12.68% | 0.97% | 0.96% | 8.53% | 3.00% |
| Q1 2025 | 12.62% | 0.86% | 1.04% | 7.62% | 2.76% |
| Q4 2024 | 12.33% | 0.71% | 1.04% | 7.75% | 2.77% |
| Q3 2024 | 12.15% | 0.82% | 1.02% | 7.49% | 2.82% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 13 branches →
| 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 | merger | 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
What the public regulatory sources show for American National Bank & Trust, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 447 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is American National Bank & Trust headquartered?
American National Bank & Trust is headquartered in Wichita Falls, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was American National Bank & Trust founded?
American National Bank & Trust was established in 1976, per the FDIC institution directory.
Is American National Bank & Trust FDIC-insured?
Yes. American National Bank & Trust 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is American National Bank & Trust's CET1 capital ratio?
American National Bank & Trust 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?
American National Bank & Trust 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?
American National Bank & Trust's Texas Ratio is 7.37% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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