American National Bank


116 North Kiel Street
Holstein, IA 51025
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.10% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

American National Bank is an FDIC insured institution located in Holstein, IA. It was founded in 1995 and has approximately $0.22 billion in assets.

FDIC Insured Yes
FDIC Certificate # 33993
Date Established 1995
Assets $ 224.68 million
Loans $ 183.98 million
Deposits $ 173.39 million
Capital $ 23.49 million

For a more detailed analysis of American National Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 18, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - October 18, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for American National Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.921% 2.875%
0.63 points
$1,492 fees
$1,038 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to American National Bank
To upload and update your bank's rates please register. It is free to register and add rates.


American National Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

American National Bank Locations

Climate Initiatives

American National Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

American National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American National Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
American National Bank U.S. Bank Average
36.2% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2021, American National Bank had $9,661,000 in non-current loans and $211,000 in owned real estate. To cover these potential losses it had $23,494,000 in equity and $3,779,000 in loans loss reserves. That gives it a Texas Ratio of 36.2%.

Return on Equity
American National Bank U.S. Bank Average
-3.16% 11.29%

American National Bank has a Return on Equity of -3.16% versus the BestCashCow average of 11.29%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

American National Bank U.S. Bank Average
10.46% 11.72%

American National Bank has a Capitalization of 10.46% versus the BestCashCow average of 11.72. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

American National Bank Balance Sheet Analysis

As of November 30, -0001, American National Bank had assets of $224,675,000, loans of $183,976,000, and deposits of $173,390,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 183.98 million
Loan loss allowance $ 3.78 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.21 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 173.39 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 224.68 million

Summary Income Statement

June 30, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in American National Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, American National Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About American National Bank

Branches and Savings

Is American National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #33993.

Why does American National Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are American National Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is American National Bank a commercial bank?


Where are American National Bank locations?

See branch locations nearby.

Is American National Bank open on Saturdays?

Is American National Bank open on Sundays?

What time does American National Bank open?

What time does American National Bank close?

Are American National Bank ATMs Open 24/7?

Do American National Bank ATMs accept cash deposits?

Can American National Bank customers use other ATMs?

Do American National Bank branches have notaries?

Will American National Bank notarize my document?

What address for American National Bank should I put for incoming ACH transfers?

Will the American National Bank branch print checks?

Do American National Bank checks expire?

Does American National Bank require US citizenship to open account?

Can American National Bank close my account?

Does American National Bank Report to credit bureaus?

Does American National Bank Use Equifax?

What is American National Bank's ACH Routing Number?

What is American National Bank's SWIFT code?


Does American National Bank offer mortgages?

Compare mortgage rates here.

Does American National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does American National Bank offer personal loans?

Compare personal loan rates here.

Does American National Bank offer student loans?

Will American National Bank cash a check?

Will American National Bank redeem a savings bond?

Does American National Bank cash savings bonds?

Will American National Bank cash money orders?

Can American National Bank issue a money order?

Does American National Bank do currency exchange?

Background on The Bank

Who owns American National Bank?

How long has American National Bank been around?

Can American National Bank transfer to other banks?

Does American National Bank have quick pay?

Does American National Bank accept rolled coins?

Will American National Bank accept loose change?

Where is American National Bank headquarters?

Customer Reviews for American National Bank

There are currently no comments for American National Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →