Headquartered in Terrell, Texas, The American National Bank of Texas is a national bank with $5.5B in total assets and $4.6B in deposits as of Q2 2026. It operates 28 offices. Its charter dates back to 1981.
Based on its Q2 2026 filing, The American National Bank of Texas scores 61/100, which we describe as moderate. That is higher than only 24% of 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 287th. Its strongest component is problem-loan coverage (96/100; 2.1%), and its lowest is capital cushion (38/100; 8.84%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (62 → 61).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 63 |
| Q4 2024 | 62 |
| Q1 2025 | 63 |
| Q2 2025 | 62 |
| Q3 2025 | 62 |
| Q4 2025 | 59 |
| Q1 2026 | 60 |
| Q2 2026 | 61 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.48% |
| Q3 2024 | 8.72% |
| Q4 2024 | 8.52% |
| Q1 2025 | 8.69% |
| Q2 2025 | 8.70% |
| Q3 2025 | 8.76% |
| Q4 2025 | 8.60% |
| Q1 2026 | 8.61% |
| Q2 2026 | 8.84% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.12% |
| Q3 2024 | 0.10% |
| Q4 2024 | 0.10% |
| Q1 2025 | 0.10% |
| Q2 2025 | 0.11% |
| Q3 2025 | 0.09% |
| Q4 2025 | 0.17% |
| Q1 2026 | 0.25% |
| Q2 2026 | 0.23% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.52% |
| Q3 2024 | 0.50% |
| Q4 2024 | 0.43% |
| Q1 2025 | 0.51% |
| Q2 2025 | 0.51% |
| Q3 2025 | 0.39% |
| Q4 2025 | 0.40% |
| Q1 2026 | 0.59% |
| Q2 2026 | 0.63% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $5.5B | 8.84% | 0.23% | 0.63% | 73.0% |
| Q1 2026 | 60 | $5.5B | 8.61% | 0.25% | 0.59% | 70.5% |
| Q4 2025 | 59 | $6.9B | 8.60% | 0.17% | 0.40% | 50.5% |
| Q3 2025 | 62 | $5.5B | 8.76% | 0.09% | 0.39% | 68.9% |
| Q2 2025 | 62 | $5.5B | 8.70% | 0.11% | 0.51% | 68.1% |
| Q1 2025 | 63 | $5.5B | 8.69% | 0.10% | 0.51% | 66.0% |
| Q4 2024 | 62 | $5.5B | 8.52% | 0.10% | 0.43% | 59.6% |
| Q3 2024 | 63 | $5.6B | 8.72% | 0.10% | 0.50% | 65.0% |
| Q2 2024 | 62 | $5.5B | 8.48% | 0.12% | 0.52% | 67.6% |
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).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Broadway National BankBank San Antonio, TX | 79 out of 100, Strong | $5.4B | 10.9% | 0.19% | vs |
| City BankBank Lubbock, TX | 75 out of 100, Strong | $5.4B | 10.8% | 0.25% | vs |
| Vantage Bank TexasBank San Antonio, TX | 61 out of 100, Moderate | $5.1B | 9.0% | 0.87% | vs |
| First National Bank TexasBank Killeen, TX | 64 out of 100, Moderate | $4.6B | 9.1% | 1.23% | vs |
| VeraBank, National AssociationBank Henderson, TX | 72 out of 100, Strong | $4.6B | 11.0% | 0.96% | vs |
| International Bank of CommerceBank Brownsville, TX | 64 out of 100, Moderate | $4.6B | 14.5% | 9.17% | vs |
Deposit insurance
Is my money safe at The American National Bank of Texas?
Yes. The American National Bank of Texas is an FDIC-insured institution (FDIC certificate #23474). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 43.9% of deposits ($2.0B) 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 8.84%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.55% (benchmark: 10%).
28 locations
Branches
The American National Bank of Texas lists 28 offices in 25 cities. Most locations:
- Greenville, TX (2)
- Rockwall, TX (2)
- Terrell, TX (2)
- Allen, TX (1)
- Burleson, TX (1)
- Canton, TX (1)
- Crandall, TX (1)
- Dallas, TX (1)
- Forney, TX (1)
- Fort Worth, TX (1)
- Frisco, TX (1)
- Heath, TX (1)
HMDA 2025
Mortgage lending
In 2025, The American National Bank of Texas reported 901 home-loan applications under HMDA (LEI 549300QFJDBOCX7WKY08): 600 originated ($222,020,000 total), 79 denied, and 211 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.4%, 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
- The American National Bank of Texas
- Former names
- American National Bank of Terrell; First National Bank of Allen
- Type
- National bank
- FDIC certificate #
- 23474
- RSSD ID
- 599764
- Primary regulator
- OCC
- Holding company
- A N B Holding Co Ltd
- Established
- July 1, 1981
- Headquarters
- 102 W Moore Ave, Terrell, TX 75160
- Website
- www.anbtx.com
- Employees
- 604
Quick answers
The American National Bank of Texas: common questions
Is The American National Bank of Texas FDIC insured?
Yes. The American National Bank of Texas is an FDIC-insured institution (FDIC certificate #23474). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The American National Bank of Texas'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 The American National Bank of Texas ever failed?
There is no failure record for FDIC certificate #23474 in the FDIC failed bank list.
How many branches does The American National Bank of Texas have?
28 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Terrell
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State Bank of Ben Wheeler, TexasBank Ben Wheeler, TX | 95 out of 100, Very strong | $185.1M | 15.7% | 0.07% | vs |
| Lakeside BankBank Rockwall, TX | 92 out of 100, Very strong | $389.2M | 14.4% | 0.00% | vs |
| Seagoville Federal Credit UnionCredit union Seagoville, TX | 89 out of 100, Very strong | $15.8M | 21.6% | 0.21% | vs |
| American First National BankBank Houston, TX | 87 out of 100, Very strong | $2.9B | 14.4% | 0.42% | vs |
| First State BankBank Shallowater, TX | 84 out of 100, Strong | $150.8M | 15.9% | 0.23% | vs |
| HomeBank TexasBank Seagoville, TX | 79 out of 100, Strong | $403.0M | 11.6% | 0.11% | vs |