The American National Bank of Texas
The American National Bank of Texas reported total assets of $5.5 bn at Q2 2026, up 0.0% on a year earlier, the 263rd largest of 497 banks in our US coverage. The CET1 capital ratio at The American National Bank of Texas was 12.30%. The American National Bank of Texas held deposits of $4.6 bn. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, The American National Bank of Texas slipped from 45th to 75th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- The American National Bank of Texas reports one of the lowest tier 1 leverage ratio readings among banks of $1 bn to $10 bn: 8.84% at , where the median of the 339 banks is 10.45% (FDIC Call Reports).
- The return on assets (ROA) of The American National Bank of Texas, 0.63% at , places The American National Bank of Texas in the bottom tenth of banks of $1 bn to $10 bn (group median 1.32%; FDIC Call Reports).
What sets The American National Bank of Texas apart
- Few banks of $1 bn to $10 bn report a higher efficiency ratio than The American National Bank of Texas, at 74.79% in against a group median of 56.87%.
- Since , The American National Bank of Texas has taken over one institution; the latest was First State Bank on .
How large is The American National Bank of Texas?
The balance sheet of The American National Bank of Texas at : assets $5.5 bn, deposits $4.6 bn, net loans $3.4 bn (loans equal to 72.97% of deposits). Securities make up 31.5% of total assets at The American National Bank of Texas. Since , when The American National Bank of Texas held $2.6 bn, its assets grew 111.2%. In the year to , deposits at The American National Bank of Texas fell 2.3% while its total assets rose 0.0%. At , The American National Bank of Texas employed 604 full-time equivalent staff across 28 offices, about $9.1 mn of assets per employee and $164.3 mn of deposits per office.
How much funding at The American National Bank of Texas is uninsured?
At The American National Bank of Texas, uninsured deposits (above the FDIC limit) made up 43.91% of domestic deposits at (+3.02 pp on a year earlier); The American National Bank of Texas ranks 151st of 500 on this measure. In dollars, The American National Bank of Texas estimated $2.0 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $4.6 bn | -2.3% | 266th of 499 |
| Net loans and leases | $3.4 bn | +4.7% | 294th of 500 |
| Loan-to-deposit ratio | 72.97% | +4.85 pp | 402nd of 500 |
| Tier 1 leverage ratio | 8.84% | +0.14 pp | 444th of 500 |
| Total risk-based capital ratio | 13.55% | +0.01 pp | 301st of 448 |
| Net interest margin | 2.85% | +0.16 pp | 433rd of 500 |
| Return on assets (ROA) | 0.63% | +0.12 pp | 459th of 500 |
| Efficiency ratio | 74.79% | -3.10 pp | 463rd of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $252.6 mn | Narrowed by $48.0 mn | |
| Noncurrent loans to total loans | 0.23% | +0.12 pp | 75th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.03% | -0.01 pp | 148th of 500 (1 = lowest) |
US rank of The American National Bank of Texas: 1 = highest unless marked 1 = lowest.
Balance sheet
The American National Bank of Texas: assets, deposits and loans
- Total assets $5.5bn
- Deposits $4.6bn
- Net loans $3.4bn
Capital and securities
The CET1 ratio of The American National Bank of Texas stood at 12.30% in , -0.05 pp year on year. Low and high at The American National Bank of Texas since : 10.80% () to 14.35% (). Equity capital of The American National Bank of Texas at : $328.2 mn, or 6.0% of total assets. The American National Bank of Texas also reported a total capital ratio of 13.55% for , and a tier 1 leverage ratio of 8.84%.
The available-for-sale portfolio of The American National Bank of Texas showed an unrealized loss of $252.6 mn at ; the loss narrowed by $48.0 mn over the year.
The American National Bank of Texas: capital ratios
- Total capital 14%
- CET1 12%
- Tier 1 leverage 8.8%
The American National Bank of Texas: unrealized securities gains and losses
- Available for sale -$253mn
- Held to maturity $0
Profitability and loan quality
For the year to , The American National Bank of Texas earned a return on equity of 11.51%; return on assets: 0.63%. Net interest margin at The American National Bank of Texas: 2.85%, +0.16 pp in a year. The American National Bank of Texas net income: $18.8 mn, up 34.7% year on year. The efficiency ratio of The American National Bank of Texas was 74.79%: about 75 cents cost per revenue dollar, against 66 cents at the median peer.
At , noncurrent loans were 0.23% of total loans at The American National Bank of Texas; net charge-offs: 0.03% of average loans. Gross loans and leases at The American National Bank of Texas: $3.4 bn, up 4.8% in a year.
The American National Bank of Texas: profitability
- Return on equity 12%
- Net interest margin 2.8%
- Return on assets 0.6%
Peer group of The American National Bank of Texas
The peer group of The American National Bank of Texas is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of The American National Bank of Texas (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Texas. Against them, The American National Bank of Texas shows CET1 ratio 12.30% against a peer median of 13.32%, return on equity 11.51% against a peer median of 7.90% and uninsured deposit share 43.91% against a peer median of 32.40%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Institution for Savings in Newburyport and Its Vicinity | State-chartered stock savings bank | MA | $5.6 bn | 16.21% | 8.46% | 27.90% | |
| First Internet Bank of Indiana | State nonmember bank | IN | $5.5 bn | 10.84% | 4.12% | 36.90% | |
| Great Southern Bank | State nonmember bank | MO | $5.5 bn | 13.32% | 11.61% | 38.24% | |
| The American National Bank of Texas | National bank | TX | $5.5 bn | 12.30% | 11.51% | 43.91% | |
| Northfield Bank | Federal savings bank | NY | $5.5 bn | not reported | 7.33% | 50.35% | |
| Coastal Community Bank | State member bank | WA | $5.5 bn | 10.97% | -11.91% | 27.45% | |
| Green Dot Bank DBA Bonneville Bank | State member bank | UT | $5.4 bn | 31.97% | 29.74% | 3.68% | |
. FDIC Call Reports.
Last eight quarters
Two years at The American National Bank of Texas, to : assets -2.3%, deposits -2.3%, equity +11.3%. Staff 563 to 604; offices 27 to 28.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $5.6 bn | $5.5 bn | $5.5 bn | $5.5 bn | $5.5 bn | $6.9 bn | $5.5 bn | $5.5 bn |
| Total deposits | $4.7 bn | $5.2 bn | $4.8 bn | $4.7 bn | $4.8 bn | $6.5 bn | $4.8 bn | $4.6 bn |
| Bank equity capital | $294.9 mn | $233.5 mn | $267.3 mn | $284.2 mn | $321.6 mn | $322.9 mn | $327.8 mn | $328.2 mn |
| CET1 ratio | 13.15% | 12.60% | 12.55% | 12.35% | 12.17% | 11.90% | 12.13% | 12.30% |
| Return on equity (ROE) | 12.32% | 10.45% | 11.27% | 10.66% | 7.82% | 8.13% | 11.17% | 11.51% |
| Uninsured share of domestic deposits | 41.66% | 47.19% | 41.18% | 40.89% | 41.64% | 59.11% | 44.53% | 43.91% |
| Full-time equivalent employees | 563 | 570 | 569 | 587 | 586 | 608 | 609 | 604 |
| Number of offices | 27 | 27 | 27 | 27 | 27 | 28 | 28 | 28 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of The American National Bank of Texas, oldest first; figures before and after each event are not like for like.
- . Absorbed First State Bank (FDIC certificate 18621).
Questions and identifiers
What were the total assets of The American National Bank of Texas?
The American National Bank of Texas reported $5.5 bn at in its Call Report. That makes The American National Bank of Texas the 263rd largest of 497 banks in our US coverage.
Is The American National Bank of Texas the same as its holding company?
No. This page covers The American National Bank of Texas, FDIC certificate 23474; A N B HOLDING CO LTD (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is The American National Bank of Texas profitable?
The American National Bank of Texas reported net income of $18.8 mn for the year to ; annualized return on equity: 11.51%. So yes: The American National Bank of Texas made a profit over these months.
When is data for The American National Bank of Texas next updated?
Figures from The American National Bank of Texas for are due after .
Where can I check the figures for The American National Bank of Texas?
In the FDIC BankFind Suite record for certificate 23474, and in the Call Reports of The American National Bank of Texas (RSSD ID 599764) at the FFIEC Central Data Repository.