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American National Bank & Trust
Wichita Falls, TX · FDIC Certificate #22373 · Chartered 11/2
Total assets
$2.54B
Total deposits
$2.25B
Total equity
$257.51M
Net loans
$1.91B
Branches (offices)
13
Net income (YTD)
$12.25M
Rank: #498 of 4,213 U.S. banks by assets · #45 of 346 in Texas. Assets changed 9.1% and deposits 9.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.99% |
| Return on equity | 9.72% |
| Net interest margin (YTD) | 3.27% |
| Equity to assets | 10.15% |
| Tier 1 leverage ratio | 10.18% |
| Uninsured deposits (share of deposits) | 39.3% |
| Noncurrent loans (share of loans) | 0.88% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 84.8% |
| Real estate loans (share of loans) | 86.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.66B | 86.9% | |
| Commercial & industrial | $98.94M | 5.2% | |
| Consumer / individual | $12.86M | 0.7% | |
| Construction & development | $290.89M | 15.3% | |
| Agricultural | $925.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.55B | $1.34B | $9.14M | $184.65M |
| Jun 2023 | $1.91B | $1.67B | $6.08M | $192.83M |
| Jun 2024 | $2.18B | $1.93B | $7.32M | $220.04M |
| Jun 2025 | $2.32B | $2.06B | $10.64M | $237.98M |
| Jun 2026 | $2.54B | $2.25B | $12.25M | $257.51M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $2.25B | 13 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.25B.
Similar-sized banks
Community National Bank ($2.54B) · Bank Five Nine ($2.53B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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