Total Assets
$6.9B
Total balance-sheet footings
FDIC Cert #23474 · Terrell, Texas · Est. 1981
The American National Bank of Texas - FDIC Bank Health Profile
A community-scale look at The American National Bank of Texas's own numbers, pulled straight from its quarterly FDIC Call Report.
- $6.9B
- Total assets
- C
- Health grade · Fair
- 0.40%
- Return on assets
- 11.9%
- Tier 1 capital
Data updated July 2026
The verdict
The American National Bank of Texas earns a PlainBankData health grade of C (59/100), with well-capitalized at 11.90% Tier 1, 0.40% ROA, 78% efficiency ratio.
- #227
- largest of 4,313 FDIC banks by assets
- 95th
- percentile by asset size, nationally
- 11.90%
- Tier 1 ratio - above the 10% well-capitalized line
- 13th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How The American National Bank of Texas's 59/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The American National Bank of Texas's composite health score
Tier 1 Capital Ratio (11.90%) 28/40
Return on Assets (ROA) (0.40%) 7/25
Texas Ratio (1.60%) 20/20
Efficiency Ratio (77.53%) 4/15
59 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$6.5B
Customer-funded liabilities
Net Loans
$3.3B
Outstanding loan book
Net Income
$23M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The American National Bank of Texas ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The American National Bank of Texas's score of 59/100 falls in the highlighted band.
The American National Bank of Texas'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). The American National Bank of Texas's $6.9B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.90% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.90%
Texas Ratio
1.60%
Equity Capital
$323M
Profitability metrics
Return on Assets (ROA)
13th percentile nationally
0.40%
Return on Equity (ROE)
8.13%
Efficiency Ratio
77.53%
What the numbers say about The American National Bank of Texas
The American National Bank of Texas is an FDIC-insured institution (Certificate #23474) headquartered in Terrell, Texas, established in 1981. It holds $6.9B in total assets - 227th of 4,313 FDIC-insured banks, $6.5B in customer deposits, and $3.3B in net loans. Its capital position: a Tier 1 ratio of 11.90%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 1.60% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (59 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, The American National Bank of Texas sits in the top decile of all FDIC-insured institutions by asset size (227th of 4,313), and within Texas it ranks 16th of 350 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is TBK BANK, SSB, at $6.4B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$237M
Interest Income
$34M
Non-Interest Income
$136M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The American National Bank of Texas reports a Texas Ratio of 1.60% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.60% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The American National Bank of Texas (FDIC Cert #23474) - 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.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is The American National Bank of Texas's health grade?▼
The American National Bank of Texas receives a health grade of C (59/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is The American National Bank of Texas?▼
The American National Bank of Texas holds $6.9B in total assets and $6.5B in deposits, ranking 227th of 4,313 FDIC-insured banks by asset size. It is headquartered in Terrell, Texas.
Is my money safe at The American National Bank of Texas?▼
Yes, deposits at The American National Bank of Texas (Certificate #23474) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The American National Bank of Texas's Tier 1 Capital Ratio?▼
The American National Bank of Texas has a Tier 1 Capital Ratio of 11.90%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The American National Bank of Texas?▼
The American National Bank of Texas has a Texas Ratio of 1.60%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The American National Bank of Texas?▼
The American National Bank of Texas has an Efficiency Ratio of 77.53%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The American National Bank of Texas's profile as a depositor or analyst.
- The American National Bank of Texas's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The American National Bank of Texas against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.