TellerScore

American National Bank - Fox Cities (FDIC certificate #33812) is based in Appleton, Wisconsin. Its Q2 2026 call report shows $432.6M in total assets and $353.5M in deposits and 1 office.

American National Bank - Fox Cities has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 23rd. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (58/100, 94% loans-to-deposits, 23% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion86/100
Tier 1 leverage ratio: 13.59%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings70/100
Return on assets (annualized): 1.26%
Funding & liquidity58/100
Loans ÷ deposits and uninsured-deposit share: 93.5% · 22.8% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 3 points (81 → 84), mostly because the capital cushion component improved by 7 points.

TellerScore
768084Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202479
Q4 202479
Q1 202581
Q2 202581
Q3 202584
Q4 202583
Q1 202681
Q2 202684
Tier 1 leverage ratio
5.00%9.30%13.59%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.75%
Q3 202413.13%
Q4 202413.04%
Q1 202513.22%
Q2 202512.86%
Q3 202513.19%
Q4 202513.37%
Q1 202613.35%
Q2 202613.59%
Noncurrent loans
0.00%0.23%0.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.45%
Q3 20240.19%
Q4 20240.13%
Q1 20250.10%
Q2 20250.09%
Q3 20250.07%
Q4 20250.07%
Q1 20260.07%
Q2 20260.00%
Return on assets
0.95%1.17%1.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.04%
Q3 20241.06%
Q4 20240.95%
Q1 20251.18%
Q2 20251.21%
Q3 20251.39%
Q4 20251.38%
Q1 20261.06%
Q2 20261.26%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$432.6M13.59%0.00%1.26%93.5%
Q1 202681$434.4M13.35%0.07%1.06%90.0%
Q4 202583$419.3M13.37%0.07%1.38%92.5%
Q3 202584$421.6M13.19%0.07%1.39%89.3%
Q2 202581$417.4M12.86%0.09%1.21%88.6%
Q1 202581$417.4M13.22%0.10%1.18%89.0%
Q4 202479$403.7M13.04%0.13%0.95%85.6%
Q3 202479$399.7M13.13%0.19%1.06%91.0%
Q2 202476$399.7M12.75%0.45%1.04%91.8%

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).

Capital ratio13.59%
79th
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs-0.01%
88th
Return on assets1.26%
51st
Net interest margin3.11%
13th
Efficiency ratio58.8%
61st
Loans to deposits93.5%
19th
Uninsured deposits22.8%
54th
Loan-loss reserves1.03%
30th
Texas ratio0.0%
95th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of MaustonBank Mauston, WI96 out of 100, Very strong$426.7M14.8%0.19%vs
Oostburg State BankBank Oostburg, WI79 out of 100, Strong$440.2M11.6%0.13%vs
Spring BankBank Brookfield, WI51 out of 100, Below average$440.7M11.6%2.70%vs
The Bank of BrodheadBank Brodhead, WI55 out of 100, Moderate$421.9M9.2%1.24%vs
Forte BankBank Hartford, WI73 out of 100, Strong$404.5M10.6%0.06%vs
BLC Community BankBank Little Chute, WI73 out of 100, Strong$475.5M10.2%0.02%vs

Deposit insurance

Is my money safe at American National Bank - Fox Cities?

Yes. American National Bank - Fox Cities is an FDIC-insured institution (FDIC certificate #33812). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.8% of deposits ($80.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.59%, 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%).

Check how much of your own balance is covered

1 location

Branches

American National Bank - Fox Cities lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, American National Bank - Fox Cities reported 58 home-loan applications under HMDA (LEI 549300B63HUNVIWL5V50): 55 originated ($25,365,000 total), 3 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.2%, 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 - Fox Cities
Type
National bank
FDIC certificate #
33812
RSSD ID
2051127
Primary regulator
OCC
Holding company
American National Bcorp Inc
Established
June 14, 1993
Headquarters
2200 N Richmond St, Appleton, WI 54911
Employees
32

Quick answers

American National Bank - Fox Cities: common questions

Is American National Bank - Fox Cities FDIC insured?

Yes. American National Bank - Fox Cities is an FDIC-insured institution (FDIC certificate #33812). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is American National Bank - Fox Cities's TellerScore?

84 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 National Bank - Fox Cities ever failed?

There is no failure record for FDIC certificate #33812 in the FDIC failed bank list.

How many branches does American National Bank - Fox Cities have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Appleton

InstitutionScoreAssetsCapitalProblem loansCompare
Thrivent Trust CompanyBank Appleton, WI93 out of 100, Very strong$15.5M82.7%0.00%vs
National Exchange Bank and TrustBank Fond Du Lac, WI88 out of 100, Very strong$2.9B20.1%0.37%vs
Winnebago Community Credit UnionCredit union Oshkosh, WI85 out of 100, Very strong$176.1M13.8%0.13%vs
North Shore BankBank Brookfield, WI84 out of 100, Strong$2.6B14.4%0.10%vs
Community First Credit UnionCredit union Appleton, WI84 out of 100, Strong$6.8B12.8%0.14%vs
West Pointe BankBank Oshkosh, WI84 out of 100, Strong$368.8M19.4%0.91%vs