TellerScore

American National Bank & Trust (FDIC certificate #22373) is based in Wichita Falls, Texas. Its Q2 2026 call report shows $2.5B in total assets and $2.2B in deposits and 14 offices.

American National Bank & Trust has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 290th. Problem-loan coverage contributes the most (86/100, 7.2%); funding & liquidity contributes the least (48/100, 85% loans-to-deposits, 39% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Tier 1 leverage ratio: 10.18%
Loan quality71/100
Noncurrent loans ÷ total loans: 0.88%
Earnings59/100
Return on assets (annualized): 0.99%
Funding & liquidity48/100
Loans ÷ deposits and uninsured-deposit share: 84.8% · 39.3% uninsured
Problem-loan coverage86/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.24%

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 4 points (57 → 61), mostly because the loan quality component improved by 11 points.

TellerScore
545861Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202454
Q3 202457
Q4 202456
Q1 202557
Q2 202557
Q3 202557
Q4 202558
Q1 202661
Q2 202661
Tier 1 leverage ratio
5.00%7.65%10.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.16%
Q3 202410.14%
Q4 20249.97%
Q1 20259.99%
Q2 202510.20%
Q3 202510.30%
Q4 202510.15%
Q1 202610.18%
Q2 202610.18%
Noncurrent loans
0.84%1.05%1.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20241.27%
Q3 20241.02%
Q4 20241.06%
Q1 20251.07%
Q2 20251.21%
Q3 20251.21%
Q4 20251.01%
Q1 20260.84%
Q2 20260.88%
Return on assets
0.67%0.83%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.67%
Q3 20240.72%
Q4 20240.72%
Q1 20250.86%
Q2 20250.91%
Q3 20250.90%
Q4 20250.90%
Q1 20260.89%
Q2 20260.99%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$2.5B10.18%0.88%0.99%84.8%
Q1 202661$2.5B10.18%0.84%0.89%85.2%
Q4 202558$2.4B10.15%1.01%0.90%85.8%
Q3 202557$2.3B10.30%1.21%0.90%86.7%
Q2 202557$2.3B10.20%1.21%0.91%85.7%
Q1 202557$2.4B9.99%1.07%0.86%82.0%
Q4 202456$2.3B9.97%1.06%0.72%86.5%
Q3 202457$2.3B10.14%1.02%0.72%86.8%
Q2 202454$2.2B10.16%1.27%0.67%88.3%

897 peers · $1 billion – $10 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).

Capital ratio10.18%
42nd
Total risk-based capital13.77%
52nd
Problem loans0.88%
31st
Net charge-offs0.00%
73rd
Return on assets0.99%
30th
Net interest margin3.27%
25th
Efficiency ratio68.3%
24th
Loans to deposits84.8%
56th
Uninsured deposits39.3%
28th
Loan-loss reserves1.08%
42nd
Texas ratio7.2%
25th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Community National BankBank Midland, TX70 out of 100, Strong$2.5B12.7%1.66%vs
Horizon Bank, SSBBank Austin, TX72 out of 100, Strong$2.6B9.0%0.00%vs
Extraco Banks, National AssociationBank Temple, TX70 out of 100, Strong$2.6B8.7%0.04%vs
State Bank of TexasBank Irving, TX74 out of 100, Strong$2.6B15.7%2.16%vs
Wells Fargo Bank South Central, National AssociationBank Houston, TX80 out of 100, Strong$2.6B29.7%1.24%vs
TexasBankBank Fort Worth, TX80 out of 100, Strong$2.5B12.9%0.41%vs

Deposit insurance

Is my money safe at American National Bank & Trust?

Yes. American National Bank & Trust is an FDIC-insured institution (FDIC certificate #22373). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 39.3% of deposits ($883.9M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.18%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.77% (benchmark: 10%).

Check how much of your own balance is covered

14 locations

Branches

American National Bank & Trust lists 13 offices in 11 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, American National Bank & Trust reported 1,295 home-loan applications under HMDA (LEI 549300LG8MECYD8F2A55): 1,039 originated ($352,475,000 total), 51 denied, and 136 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.4%, 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 National Bank & Trust
Former names
American National Bank
Type
National bank
FDIC certificate #
22373
RSSD ID
498362
Primary regulator
OCC
Holding company
Ameribancshares Inc
Established
November 29, 1976
Headquarters
2732a Midwestern Pkwy, Wichita Falls, TX 76308
Employees
334

Quick answers

American National Bank & Trust: common questions

Is American National Bank & Trust FDIC insured?

Yes. American National Bank & Trust is an FDIC-insured institution (FDIC certificate #22373). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is American National Bank & Trust's TellerScore?

61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has American National Bank & Trust ever failed?

There is no failure record for FDIC certificate #22373 in the FDIC failed bank list.

How many branches does American National Bank & Trust have?

14 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Wichita Falls

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
The Waggoner National Bank of VernonBank Vernon, TX88 out of 100, Very strong$353.7M14.4%0.66%vs
Legend Bank, N.A.Bank Bowie, TX82 out of 100, Strong$1.3B10.4%0.12%vs
Wichita Falls Teachers Federal Credit UnionCredit union Wichita Falls, TX82 out of 100, Strong$115.6M12.4%0.31%vs
First BankBank Burkburnett, TX81 out of 100, Strong$703.6M13.9%0.80%vs
First State BankBank Graham, TX81 out of 100, Strong$308.8M10.1%0.00%vs