American National Bank
American National Bank reported total assets of $5.2 bn at Q1 2026, its last Call Report before it merged into Associated Bank, National Association. Its common equity tier 1 ratio was 12.99%, and an estimated 40.74% of domestic deposits were uninsured. Source: FDIC Call Report data, cross-checked against FFIEC filings.
- Return on equity (ROE): down 2.87 pp on Q4 2025, to 10.81%
- Uninsured share of domestic deposits: up 0.89 pp on Q4 2025, to 40.74%
- Bank equity capital: down 1.4% on Q4 2025, to $530.6 mn
Ranks compare banks in our US coverage that report each metric. Sparklines: the last ten years. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Overview
What stands out about American National Bank?
Nothing in the latest data sets American National Bank apart from its size peers or the rest of the table: no unusual quarterly move, peer gap, rank change or outlier ratio. This page is kept out of search results until that changes.
How large is American National Bank?
At Q1 2026 the bank held $5.2 bn of assets. Deposits were $4.5 bn and net loans and leases $3.8 bn, a loan-to-deposit ratio of 83.61%. Securities of $998.0 mn made up 19.4% of assets.
Total assets rose 74.3% between Q1 2016 and Q1 2026, from $3.0 bn.
How much of its funding is uninsured?
An estimated 40.74% of domestic deposits were above the FDIC insurance limit at Q1 2026, +0.89 pp from the previous quarter and -0.20 pp from a year earlier.
Key facts, Q1 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total assets | $5.2 bn | -1.0% | |
| Total deposits | $4.5 bn | -2.4% | |
| Net loans and leases | $3.8 bn | +3.6% | |
| Bank equity capital | $530.6 mn | +10.6% | |
| Common equity tier 1 (CET1) ratio | 12.99% | +0.60 pp | |
| Tier 1 leverage ratio | 10.55% | +0.58 pp | |
| Return on equity (ROE) | 10.81% | -1.50 pp | |
| Net interest margin | 3.59% | +0.43 pp | |
| Uninsured share of domestic deposits | 40.74% | -0.20 pp | |
| Noncurrent loans to total loans | 0.61% | -0.73 pp | |
| Net charge-offs to average loans | 0.19% | -0.05 pp |
US rank: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.
Balance sheet
Total assets, deposits and net loans, quarterly, Q1 2016 to Q1 2026.
- Total assets $5.2bn
- Deposits $4.5bn
- Net loans $3.8bn
Capital and securities
The common equity tier 1 (CET1) ratio was 12.99% at Q1 2026, +0.60 pp from a year earlier. Since Q1 2016 it has ranged from 9.92% (Q2 2017) to 12.99% (Q1 2026). At Q1 2026 the tier 1 leverage ratio was 10.55% and the total risk-based capital ratio 14.08%. The median CET1 ratio of the size peers listed below was 13.18% at Q1 2026.
Available-for-sale securities showed an unrealized loss of $42.6 mn at Q1 2026; the loss narrowed by $10.7 mn from a year earlier.
Capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 11%
Unrealized gains and losses on securities
- Available for sale -$43mn
- Held to maturity $0
Profitability and loan quality
Return on equity was 10.81% for the year to Q1 2026, annualized, with a return on assets of 1.11% and a net interest margin of 3.59%. The margin was +0.43 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 68.60%. Net income for the year to Q1 2026 was $14.4 mn, down 0.4% on the same period a year earlier. The median return on equity of its size peers was 14.29% for the same period.
Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 0.61% of total loans at Q1 2026. Net charge-offs for the year to date were 0.19% of average loans, annualized.
Profitability
- Return on equity 11%
- Net interest margin 3.6%
- Return on assets 1.1%
Compared with banks of similar size
The six banks ranked closest to American National Bank by total assets at Q1 2026, three above and three below where possible.
Among the seven banks in the table at Q1 2026, American National Bank is 4th by total assets. Its CET1 ratio of 12.99% compares with a peer median of 13.18%, its tier 1 leverage ratio of 10.55% compares with a peer median of 10.04%, and its return on equity of 10.81% compares with a peer median of 14.29%.
| Bank | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|
| Morton Community Bank | $5.3 bn | 14.06% | 17.22% | 26.45% | |
| Alerus Financial | $5.3 bn | 10.75% | 16.77% | 31.89% | |
| Southern Bank and Trust Company | $5.3 bn | 13.12% | 10.90% | 47.15% | |
| American National Bank | $5.2 bn | 12.99% | 10.81% | 40.74% | |
| Community Bank of Mississippi | $5.1 bn | 13.25% | 12.41% | 36.61% | |
| Southern Bank | $5.1 bn | 12.03% | 13.80% | 19.19% | |
| First National Bank Alaska | $5.1 bn | 18.54% | 14.78% | 40.44% | |
Q1 2026. Peer median (the six banks, excluding this one): CET1 13.18%, return on equity 14.29%. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Last eight quarters
American National Bank, as reported in its Call Reports.
From Q2 2024 to Q1 2026, total assets rose 2.1% to $5.2 bn, deposits rose 6.0% to $4.5 bn and bank equity capital rose 17.5% to $530.6 mn. Over the same period its full-time equivalent staff went from 524 to 474 and its offices went from 37 to 35.
| Metric | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $5.1 bn | $5.2 bn | $5.0 bn | $5.2 bn | $5.1 bn | $5.3 bn | $5.2 bn | $5.2 bn |
| Total deposits | $4.3 bn | $4.5 bn | $4.4 bn | $4.7 bn | $4.5 bn | $4.7 bn | $4.6 bn | $4.5 bn |
| Bank equity capital | $451.7 mn | $480.5 mn | $462.4 mn | $479.7 mn | $482.4 mn | $514.4 mn | $538.1 mn | $530.6 mn |
| Common equity tier 1 (CET1) ratio | 11.91% | 12.20% | 12.53% | 12.39% | 12.31% | 12.58% | 12.92% | 12.99% |
| Return on equity (ROE) | 12.21% | 12.25% | 12.66% | 12.31% | 12.61% | 13.26% | 13.68% | 10.81% |
| Uninsured share of domestic deposits | 38.60% | 39.48% | 38.54% | 40.94% | 39.17% | 41.52% | 39.85% | 40.74% |
| Full-time equivalent employees | 524 | 519 | 510 | 505 | 514 | 505 | 512 | 474 |
| Number of offices | 37 | 37 | 37 | 37 | 36 | 36 | 35 | 35 |
Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Mergers and acquisitions
Figures before and after each event are not like for like.
- . Merged into Associated Bank, National Association (FDIC certificate 5296).
Source: FDIC BankFind API, institution history. Moves of more than 25% in one quarter are checked against that history in our review.
Identifiers and sources
- FDIC certificate
- 19300
- Federal Reserve RSSD ID
- 660655
- Head office
- Omaha, Nebraska
- Holding company
- AMERICAN NATIONAL CORP (as reported to the FDIC)
- Holding company RSSD ID
- 1059715
- EconoMonitor ID
- EMB-US-000385
Frequently asked questions
What were American National Bank's total assets?
$5.2 bn at Q1 2026, according to its Call Report as published by the FDIC.
Is American National Bank the same as its holding company?
No. This page covers the FDIC-insured bank (certificate 19300). Its holding company, AMERICAN NATIONAL CORP (as reported to the FDIC), reports separately to the Federal Reserve and, if its shares are listed, to the SEC.
How often is this page updated?
Every quarter, after American National Bank files its Call Report and the FDIC publishes it. This page shows Q1 2026, loaded on 19 October 2026; any sentence that uses an earlier quarter names it.
Where can I check these numbers?
In the FDIC BankFind Suite record for certificate 19300, and in the Call Reports filed under RSSD ID 660655 at the FFIEC Central Data Repository.
Sources and definitions
Definitions, Call Report fields and formulas for each metric: Bank equity capital, Uses community bank leverage ratio framework, Common equity tier 1 (CET1) ratio, Deposits in domestic offices, Efficiency ratio, Full-time equivalent employees, Loan-to-deposit ratio, Total loans and leases (gross), Net loans and leases, Net charge-offs to average loans, Net income (year to date), Net interest margin, Noncurrent loans to total loans, Number of offices, Return on assets (ROA), Return on equity (ROE), Available-for-sale securities (amortized cost), Available-for-sale securities (fair value), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value), Total securities, Tier 1 leverage ratio, Total assets, Total deposits, Total equity capital, Total risk-based capital ratio, Uninsured share of domestic deposits, Estimated uninsured deposits, Unrealized gain/loss on available-for-sale securities, Unrealized gain/loss on held-to-maturity securities.
Checks for this release: Check A (database against the FDIC download) passed, Check B (FDIC against FFIEC Call Report filings) passed.
Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. FDIC BankFind Suite API.
Source: FFIEC Central Data Repository (Call Reports). EconoMonitor is not affiliated with or endorsed by the FFIEC. FFIEC Central Data Repository, Public Data Distribution.
Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.