American National Bank & Trust
American National Bank & Trust reported total assets of $2.5 bn at Q2 2026, up 9.1% on a year earlier, the 492nd largest of 497 banks in our US coverage. The CET1 capital ratio at American National Bank & Trust was 12.66%, and the uninsured share of American National Bank & Trust was 39.33%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, American National Bank & Trust climbed from 440th to 332nd among 500 US banks between and (1 = lowest; FDIC Call Reports).
What sets American National Bank & Trust apart
How large is American National Bank & Trust?
The balance sheet of American National Bank & Trust at : assets $2.5 bn, deposits $2.2 bn, net loans $1.9 bn (loans equal to 84.81% of deposits). Securities make up 5.6% of total assets at American National Bank & Trust. Since , when American National Bank & Trust held $493.2 mn, its assets grew 414.3%. In the year to , deposits at American National Bank & Trust rose 9.1% while its total assets rose 9.1%. At , American National Bank & Trust employed 334 full-time equivalent staff across 14 offices, about $7.6 mn of assets per employee and $160.5 mn of deposits per office.
How much funding at American National Bank & Trust is uninsured?
At American National Bank & Trust, uninsured deposits (above the FDIC limit) made up 39.33% of domestic deposits at (-3.52 pp on a year earlier); American National Bank & Trust ranks 196th of 500 on this measure. In dollars, American National Bank & Trust estimated $883.9 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.2 bn | +9.1% | 468th of 499 |
| Net loans and leases | $1.9 bn | +7.9% | 452nd of 500 |
| Loan-to-deposit ratio | 84.81% | -0.90 pp | 282nd of 500 |
| Tier 1 leverage ratio | 10.18% | -0.02 pp | 271st of 500 |
| Total risk-based capital ratio | 13.77% | 0.00 pp | 272nd of 448 |
| Net interest margin | 3.27% | +0.34 pp | 355th of 500 |
| Return on assets (ROA) | 0.99% | +0.07 pp | 391st of 500 |
| Efficiency ratio | 68.32% | +0.42 pp | 422nd of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $2.1 mn | Narrowed by $1.2 mn | |
| Noncurrent loans to total loans | 0.88% | -0.33 pp | 332nd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | -0.20 pp | 76th of 500 (1 = lowest) |
US rank of American National Bank & Trust: 1 = highest unless marked 1 = lowest.
Balance sheet
American National Bank & Trust: assets, deposits and loans
- Total assets $2.5bn
- Deposits $2.2bn
- Net loans $1.9bn
Capital and securities
The CET1 ratio of American National Bank & Trust stood at 12.66% in , -0.02 pp year on year. Low and high at American National Bank & Trust since : 11.77% () to 17.37% (). Equity capital of American National Bank & Trust at : $257.5 mn, or 10.2% of total assets. American National Bank & Trust also reported a total capital ratio of 13.77% for , and a tier 1 leverage ratio of 10.18%.
The available-for-sale portfolio of American National Bank & Trust showed an unrealized loss of $2.1 mn at ; the loss narrowed by $1.2 mn over the year.
American National Bank & Trust: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 10%
American National Bank & Trust: unrealized securities gains and losses
- Available for sale -$2mn
- Held to maturity $0
Profitability and loan quality
For the year to , American National Bank & Trust earned a return on equity of 9.72%; return on assets: 0.99%. Net interest margin at American National Bank & Trust: 3.27%, +0.34 pp in a year. American National Bank & Trust net income: $12.2 mn, up 15.1% year on year. The efficiency ratio of American National Bank & Trust was 68.32%: about 68 cents cost per revenue dollar, against 56 cents at the median peer.
At , noncurrent loans were 0.88% of total loans at American National Bank & Trust; net charge-offs: 0.00% of average loans. Gross loans and leases at American National Bank & Trust: $1.9 bn, up 8.0% in a year.
American National Bank & Trust: profitability
- Return on equity 9.7%
- Net interest margin 3.3%
- Return on assets 1.0%
Peer group of American National Bank & Trust
The peer group of American National Bank & Trust is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of American National Bank & Trust (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 2 have head offices in Texas. Against them, American National Bank & Trust shows CET1 ratio 12.66% against a peer median of 12.59%, return on equity 9.72% against a peer median of 15.71% and uninsured deposit share 39.33% against a peer median of 39.38%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Schaumburg Bank & Trust Company | National bank | IL | $2.6 bn | 11.07% | 17.97% | 33.69% | |
| Horizon Bank, SSB | State-chartered stock savings bank | TX | $2.6 bn | 11.99% | 20.71% | 50.64% | |
| Community National Bank | National bank | TX | $2.5 bn | 17.14% | 16.91% | 48.60% | |
| American National Bank & Trust | National bank | TX | $2.5 bn | 12.66% | 9.72% | 39.33% | |
| Bank Five Nine | State nonmember bank | WI | $2.5 bn | 12.13% | 14.51% | 14.76% | |
| Community National Bank & Trust | National bank | KS | $2.5 bn | 13.04% | 13.39% | 16.59% | |
| South Shore Bank | State member bank | MA | $2.5 bn | 13.87% | 7.42% | 45.08% | |
. FDIC Call Reports.
Last eight quarters
Two years at American National Bank & Trust, to : assets +12.0%, deposits +11.9%, equity +14.7%. Staff 310 to 334; offices 12 to 14.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.3 bn | $2.3 bn | $2.4 bn | $2.3 bn | $2.3 bn | $2.4 bn | $2.5 bn | $2.5 bn |
| Total deposits | $2.0 bn | $2.0 bn | $2.1 bn | $2.1 bn | $2.1 bn | $2.2 bn | $2.2 bn | $2.2 bn |
| Bank equity capital | $224.5 mn | $228.1 mn | $232.0 mn | $238.0 mn | $242.0 mn | $247.7 mn | $251.1 mn | $257.5 mn |
| CET1 ratio | 12.15% | 12.33% | 12.62% | 12.68% | 12.66% | 12.54% | 12.59% | 12.66% |
| Return on equity (ROE) | 7.40% | 7.36% | 8.69% | 9.15% | 8.95% | 8.92% | 8.76% | 9.72% |
| Uninsured share of domestic deposits | 39.46% | 40.20% | 43.37% | 42.84% | 40.14% | 40.76% | 38.40% | 39.33% |
| Full-time equivalent employees | 310 | 306 | 315 | 326 | 325 | 313 | 323 | 334 |
| Number of offices | 12 | 12 | 12 | 13 | 14 | 14 | 14 | 14 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by American National Bank & Trust appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of American National Bank & Trust?
American National Bank & Trust reported $2.5 bn at in its Call Report. That makes American National Bank & Trust the 492nd largest of 497 banks in our US coverage.
Is American National Bank & Trust the same as its holding company?
No. This page covers American National Bank & Trust, FDIC certificate 22373; AMERIBANCSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is American National Bank & Trust profitable?
American National Bank & Trust reported net income of $12.2 mn for the year to ; annualized return on equity: 9.72%. So yes: American National Bank & Trust made a profit over these months.
When is data for American National Bank & Trust next updated?
Figures from American National Bank & Trust for are due after .
Where can I check the figures for American National Bank & Trust?
In the FDIC BankFind Suite record for certificate 22373, and in the Call Reports of American National Bank & Trust (RSSD ID 498362) at the FFIEC Central Data Repository.