American National Bank (merged into Associated Bank)
American National Bank reported total assets of $5.2 bn at Q1 2026, its last Call Report before it merged into Associated Bank. The CET1 capital ratio at American National Bank was 12.99%, and the uninsured share of American National Bank was 40.74%. Source: FDIC Call Reports.
What sets American National Bank apart
Nothing in the latest data sets American National Bank apart from banks of its size: no ratio in the top or bottom tenth of its size group, no large rank move or year change, and no acquisition in the FDIC history since 2016. This page is kept out of search results until that changes.
How large is American National Bank?
The balance sheet of American National Bank at : assets $5.2 bn, deposits $4.5 bn, net loans $3.8 bn (loans equal to 83.61% of deposits). Securities make up 19.4% of total assets at American National Bank. Since , when American National Bank held $3.0 bn, its assets grew 74.3%. In the year to , deposits at American National Bank fell 2.4% while its total assets fell 1.0%. At , American National Bank employed 474 full-time equivalent staff across 35 offices, about $10.9 mn of assets per employee and $129.9 mn of deposits per office.
How much funding at American National Bank is uninsured?
At American National Bank, uninsured deposits (above the FDIC limit) made up 40.74% of domestic deposits at (-0.20 pp on a year earlier). In dollars, American National Bank estimated $1.9 bn of uninsured deposits.
Key facts, Q1 2026
| Metric | Value | A year earlier | US rank |
|---|---|---|---|
| Total deposits | $4.5 bn | $4.7 bn (Q1 2025) | |
| Net loans and leases | $3.8 bn | $3.7 bn (Q1 2025) | |
| Loan-to-deposit ratio | 83.61% | 78.74% (Q1 2025) | |
| Tier 1 leverage ratio | 10.55% | 9.98% (Q1 2025) | |
| Total risk-based capital ratio | 14.08% | 13.50% (Q1 2025) | |
| Net interest margin | 3.59% | 3.16% (Q1 2025) | |
| Return on assets (ROA) | 1.11% | 1.14% (Q1 2025) | |
| Efficiency ratio | 68.60% | 58.26% (Q1 2025) | |
| Unrealized gain/loss on available-for-sale securities | Loss of $42.6 mn | Narrowed by $10.7 mn | |
| Noncurrent loans to total loans | 0.61% | 1.34% (Q1 2025) | |
| Net charge-offs to average loans | 0.19% | 0.24% (Q1 2025) |
US rank of American National Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
American National Bank: assets, deposits and loans
- Total assets $5.2bn
- Deposits $4.5bn
- Net loans $3.8bn
Capital and securities
The CET1 ratio of American National Bank stood at 12.99% in , +0.60 pp year on year. Low and high at American National Bank since : 9.92% () to 12.99% (). Equity capital of American National Bank at : $530.6 mn, or 10.3% of total assets. American National Bank also reported a total capital ratio of 14.08% for , and a tier 1 leverage ratio of 10.55%.
The available-for-sale portfolio of American National Bank showed an unrealized loss of $42.6 mn at ; the loss narrowed by $10.7 mn over the year.
American National Bank: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 11%
American National Bank: unrealized securities gains and losses
- Available for sale -$43mn
- Held to maturity $0
Profitability and loan quality
For the year to , American National Bank earned a return on equity of 10.81%; return on assets: 1.11%. Net interest margin at American National Bank: 3.59%, +0.43 pp in a year. American National Bank net income: $14.4 mn, down 0.4% year on year. The efficiency ratio of American National Bank was 68.60%: about 69 cents cost per revenue dollar, against 52 cents at the median peer.
At , noncurrent loans were 0.61% of total loans at American National Bank; net charge-offs: 0.19% of average loans. Gross loans and leases at American National Bank: $3.8 bn at , against $3.7 bn at .
American National Bank: profitability
- Return on equity 11%
- Net interest margin 3.6%
- Return on assets 1.1%
Peer group of American National Bank
The peer group of American National Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of American National Bank (national bank) and 0 have head offices in Nebraska. Against them, American National Bank shows CET1 ratio 12.99% against a peer median of 13.18%, return on equity 10.81% against a peer median of 14.29% and uninsured deposit share 40.74% against a peer median of 34.25%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Morton Community Bank | State nonmember bank | IL | $5.3 bn | 14.06% | 17.22% | 26.45% | |
| Alerus Financial | National bank | ND | $5.3 bn | 10.75% | 16.77% | 31.89% | |
| Southern Bank and Trust Company | State nonmember bank | NC | $5.3 bn | 13.12% | 10.90% | 47.15% | |
| American National Bank | National bank | NE | $5.2 bn | 12.99% | 10.81% | 40.74% | |
| Community Bank of Mississippi | State nonmember bank | MS | $5.1 bn | 13.25% | 12.41% | 36.61% | |
| Southern Bank | State member bank | MO | $5.1 bn | 12.03% | 13.80% | 19.19% | |
| First National Bank Alaska | National bank | AK | $5.1 bn | 18.54% | 14.78% | 40.44% | |
. FDIC Call Reports.
Last eight quarters
Two years at American National Bank, to : assets $5.1 bn to $5.2 bn, deposits $4.3 bn to $4.5 bn, equity $451.7 mn to $530.6 mn. Staff 524 to 474; offices 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 |
| 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 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of American National Bank, oldest first; figures before and after each event are not like for like.
- . Merged into Associated Bank, National Association (FDIC certificate 5296).
Questions and identifiers
What were the total assets of American National Bank?
American National Bank reported $5.2 bn at in its Call Report.
Is American National Bank the same as its holding company?
No. This page covers American National Bank, FDIC certificate 19300; AMERICAN NATIONAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is American National Bank profitable?
American National Bank reported net income of $14.4 mn for the year to ; annualized return on equity: 10.81%. So yes: American National Bank made a profit over these months.
When is data for American National Bank next updated?
American National Bank no longer files Call Reports; its data ends at .
Where can I check the figures for American National Bank?
In the FDIC BankFind Suite record for certificate 19300, and in the Call Reports of American National Bank (RSSD ID 660655) at the FFIEC Central Data Repository.