American Nation Bank is a state-chartered bank (fed member) headquartered in Ardmore, Oklahoma, in business for about 43 years. At the end of Q2 2026 it reported $691.5M in total assets and $577.7M in deposits, with 10 offices across 2 states.
American Nation Bank has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 64% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 58th. Loan quality contributes the most (98/100, 0.06%); capital cushion contributes the least (53/100, 10.31%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (74 → 76), mostly because the capital cushion component improved by 6 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 69 |
| Q4 2024 | 72 |
| Q1 2025 | 68 |
| Q2 2025 | 74 |
| Q3 2025 | 75 |
| Q4 2025 | 75 |
| Q1 2026 | 76 |
| Q2 2026 | 76 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.41% |
| Q3 2024 | 9.54% |
| Q4 2024 | 9.52% |
| Q1 2025 | 9.83% |
| Q2 2025 | 9.73% |
| Q3 2025 | 9.87% |
| Q4 2025 | 10.03% |
| Q1 2026 | 10.12% |
| Q2 2026 | 10.31% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.57% |
| Q3 2024 | 0.48% |
| Q4 2024 | 0.10% |
| Q1 2025 | 0.67% |
| Q2 2025 | 0.11% |
| Q3 2025 | 0.05% |
| Q4 2025 | 0.04% |
| Q1 2026 | 0.06% |
| Q2 2026 | 0.06% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.46% |
| Q3 2024 | 1.43% |
| Q4 2024 | 1.35% |
| Q1 2025 | 1.41% |
| Q2 2025 | 1.47% |
| Q3 2025 | 1.51% |
| Q4 2025 | 1.52% |
| Q1 2026 | 1.57% |
| Q2 2026 | 1.54% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $691.5M | 10.31% | 0.06% | 1.54% | 82.8% |
| Q1 2026 | 76 | $688.3M | 10.12% | 0.06% | 1.57% | 82.5% |
| Q4 2025 | 75 | $684.1M | 10.03% | 0.04% | 1.52% | 82.7% |
| Q3 2025 | 75 | $682.3M | 9.87% | 0.05% | 1.51% | 79.1% |
| Q2 2025 | 74 | $684.3M | 9.73% | 0.11% | 1.47% | 77.4% |
| Q1 2025 | 68 | $672.7M | 9.83% | 0.67% | 1.41% | 79.8% |
| Q4 2024 | 72 | $651.7M | 9.52% | 0.10% | 1.35% | 81.2% |
| Q3 2024 | 69 | $665.3M | 9.54% | 0.48% | 1.43% | 82.5% |
| Q2 2024 | 69 | $662.3M | 9.41% | 0.57% | 1.46% | 82.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank and Trust Company of ArdmoreBank Ardmore, OK | 79 out of 100, Strong | $686.7M | 10.1% | 0.03% | vs |
| Legacy BankBank Hinton, OK | 36 out of 100, Low | $686.5M | 8.5% | 3.22% | vs |
| FirstBankBank Antlers, OK | 69 out of 100, Moderate | $684.3M | 10.8% | 0.82% | vs |
| Grand BankBank Tulsa, OK | 73 out of 100, Strong | $712.8M | 10.3% | 0.00% | vs |
| Prism BankBank Guthrie, OK | 63 out of 100, Moderate | $720.9M | 10.1% | 0.49% | vs |
| First Bank of OwassoBank Owasso, OK | 93 out of 100, Very strong | $639.3M | 15.7% | 0.01% | vs |
Deposit insurance
Is my money safe at American Nation Bank?
Yes. American Nation Bank is an FDIC-insured institution (FDIC certificate #24472). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.9% of deposits ($120.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.31%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
10 locations
Branches
American Nation Bank lists 10 offices in 7 cities across 2 states. Most locations:
- Ardmore, OK (4)
- Comanche, OK (1)
- Durant, OK (1)
- Keller, TX (1)
- Marietta, OK (1)
- Saginaw, TX (1)
- Wilson, OK (1)
HMDA 2025
Mortgage lending
In 2025, American Nation Bank reported 96 home-loan applications under HMDA (LEI 5493001YBS0V28ZNVE97): 72 originated ($15,250,000 total), 10 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- American Nation Bank
- Former names
- American National Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 24472
- RSSD ID
- 256058
- Primary regulator
- FED
- Holding company
- Amcorp Financial Inc
- Established
- May 2, 1983
- Headquarters
- 1901 N Commerce St, Ardmore, OK 73401
- Website
- www.bankanb.com
- Employees
- 118
Quick answers
American Nation Bank: common questions
Is American Nation Bank FDIC insured?
Yes. American Nation Bank is an FDIC-insured institution (FDIC certificate #24472). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is American Nation Bank's TellerScore?
76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has American Nation Bank ever failed?
There is no failure record for FDIC certificate #24472 in the FDIC failed bank list.
How many branches does American Nation Bank have?
10 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Ardmore
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | vs |
| First National Bank and Trust Company of ArdmoreBank Ardmore, OK | 79 out of 100, Strong | $686.7M | 10.1% | 0.03% | vs |
| Citizens Bank and Trust Company of ArdmoreBank Ardmore, OK | 78 out of 100, Strong | $318.8M | 10.6% | 0.00% | vs |
| BancFirstBank Oklahoma City, OK | 71 out of 100, Strong | $12.8B | 10.6% | 1.19% | vs |
| Communication Federal Credit UnionCredit union Oklahoma City, OK | 68 out of 100, Moderate | $2.4B | 11.8% | 1.24% | vs |
| Mtc Federal Credit UnionCredit union Greenville, SC | 67 out of 100, Moderate | $302.6M | 12.7% | 0.90% | vs |