FDIC Cert #22373 · Wichita Falls, Texas · Est. 1976

American National Bank & Trust - FDIC Bank Health Profile

A community-scale look at American National Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$2.4B
Total assets
B
Health grade · Good
0.90%
Return on assets
12.5%
Tier 1 capital

Data updated July 2026

The verdict

American National Bank & Trust earns a PlainBankData health grade of B (73/100), with well-capitalized at 12.54% Tier 1, 0.90% ROA, 70% efficiency ratio.

#512
largest of 4,313 FDIC banks by assets
88th
percentile by asset size, nationally
12.54%
Tier 1 ratio - above the 10% well-capitalized line
36th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 22373 · TX B · 73/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (73/100)
  • MID-PACK #2712/4307
  • PHOTO-FINISH Lawrence Bank · TN
  • TIER1-WELL 12.5% Tier 1
  • TEXAS-CLEAN 7.2% Texas
  • ROA-PAR 0.90% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: Lawrence Bank, TN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around American National Bank & Trust

Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American National Ba… · TX ·…73/100Colony Bank · GA · near73/100First Peoples Bank o… · TN ·…73/100Flora Bank & Trust · IL · ne…73/100Lawrence Bank · TN · near73/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around American National Bank & Trust · July 2026

Call Report read for American National Bank & Trust in a high-failure state

American National Bank & Trust (FDIC Cert #22373) carries a PlainBankData health grade of B at 73/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,712 of 4,307. Tier 1 capital prints at 12.54%, clearing the 10% well-capitalized line. The Texas Ratio is 7.16%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.90%. Balance-sheet scale is $2.4B, 512th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Lawrence Bank (TN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around American National Bank & Trust

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

American National Bank & Trust sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about American National Bank & Trust's current Call Report.

  • SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
  • ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
  • FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.

How American National Bank & Trust's 73/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10073/100
American National Bank & Trust's composite health score
Tier 1 Capital Ratio (12.54%) 35/40
Return on Assets (ROA) (0.90%) 14/25
Texas Ratio (7.16%) 16/20
Efficiency Ratio (69.55%) 8/15

73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$2.4B

Total balance-sheet footings

Total Deposits

$2.2B

Customer-funded liabilities

Net Loans

$1.9B

Outstanding loan book

Net Income

$21M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.14% 12.54% 13.94%
Basel III capital ratios - American National Bank & Trust

Where American National Bank & Trust ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. American National Bank & Trust's score of 73/100 falls in the highlighted band.

American National Bank & Trust: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

73 37th percentile higher than 37% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. American National Bank & Trust 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

American National Bank & Trust's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). American National Bank & Trust's $2.4B falls in the highlighted band.

Capital & credit buffers at American National Bank & Trust

Tier 1 capital ratio
Well-capitalized 10%

12.54% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.54%
Texas Ratio
7.16%
Equity Capital
$248M

What these ratios mean →

Profitability metrics: American National Bank & Trust

Return on Assets (ROA)
36th percentile nationally
0.90%
Return on Equity (ROE)
8.92%
Efficiency Ratio
69.55%

What these mean →

Income & expense at American National Bank & Trust

$134M
Interest Income
$30M
Non-Interest Income
$68M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. American National Bank & Trust reports a Texas Ratio of 7.16% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

7.16% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View American National Bank & Trust on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

Top 5 banks in Texas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($2.4B here), outside Texas so the neighborhood is not state containment.

Somerset Trust Company $2.4B · PA Community National Bank & Trust $2.5B · KS Cogent Bank $2.4B · FL Traditional Bank, Inc. $2.5B · KY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) American National Bank & Trust (FDIC Cert #22373) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

American National Bank & Trust Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Texas

All Texas banks →
BankAssetsGradeROA
Charles Schwab Bank, SSBWestlake $253.8B A 0.94%
Frost BankSan Antonio $53.1B A 1.26%
Prosperity BankEl Campo $38.5B A 1.44%
Texas Capital BankDallas $31.3B A 1.10%
Charles Schwab Premier Bank, SSBWestlake $27.0B A 1.47%
First Financial BankAbilene $15.4B A 1.64%
NexBankDallas $13.9B A 1.17%
PlainsCapital BankUniversity Park $12.7B B 1.05%