American National Bank & Trust

2732a Midwestern Parkway
Wichita Falls, TX 76308

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 22373
Date Established 1976
Assets $0.62 billion
Loans $0.42 billion
Deposits $0.50 billion
Capital $0.07 billion

American National Bank & Trust is an FDIC insured institution located in Wichita Falls, TX. It was founded in 1976 and has approximately $0.62 billion in assets. Customers can open an account at one of its 8 branches.

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

Bank Loan Profile?

The top three loan types in American National Bank & Trust’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, American National Bank & Trust’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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 15.27
Multifamily
Mortgages
2.29
Credit Card Loans 0.00
Consumer Auto Loans 4.61
Small Business Loans 7.78
Construction and Development Loans 10.29
Commercial Real Estate 40.91
Commercial and Industrial Loans 11.73
Farm Loans 0.20

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.10% $1,000 $249,999 Learn MoreShow Less
6 Mo CD 10K
0.50% $1,000 $249,999 Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.05% $100 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.90% $1 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
1.11% $1 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.20% $2,500 $24,999 Learn MoreShow Less
MM 25K
0.30% $25,000 $49,999 Learn MoreShow Less
PREMM Rates APY MIN MAX
Premium MM 10K
0.20% $1 $24,999 Learn MoreShow Less
Premium MM 25K
0.30% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.03% $1,000 $4,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for American National Bank & Trust

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

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

Branches

American National Bank & Trust 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:
Ashburn,Virginia


American National Bank & Trust Locations

Financial Details

American National Bank & Trust Ratio Analysis

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

Texas Ratio
American National Bank & Trust U.S. Bank Average
3.21% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, American National Bank & Trust had $1,128,000 in non-current loans and $1,437,000 in owned real estate. To cover these potential losses it had $74,883,000 in equity and $4,946,000 in loans loss reserves. That gives it a Texas Ratio of 3.21%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
American National Bank & Trust U.S. Bank Average
9.06% 8.58

American National Bank & Trust has a Return on Equity of 9.06% versus the BestCashCow average of 8.58. 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.

Capitalization
American National Bank & Trust U.S. Bank Average
12.1% 12.11

American National Bank & Trust has a Capitalization of 12.1% versus the BestCashCow average of 12.11. 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 & Trust Balance Sheet Analysis

As of June 30, 2017, American National Bank & Trust had assets of $618,892,000, loans of $415,883,000, and deposits of $504,584,000. 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.

Frequently Asked Questions About American National Bank & Trust

Branches and Savings

Is American National Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #22373.

Why does American National Bank & Trust 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 & Trust CD rates not competitive?

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

Is American National Bank & Trust a commercial bank?

Yes

Where are American National Bank & Trust locations?

See branch locations nearby.

Is American National Bank & Trust open on Saturdays?

Is American National Bank & Trust open on Sundays?

What time does American National Bank & Trust open?

What time does American National Bank & Trust close?

Are American National Bank & Trust ATMs Open 24/7?

Do American National Bank & Trust ATMs accept cash deposits?

Can American National Bank & Trust customers use other ATMs?

Do American National Bank & Trust branches have notaries?

Will American National Bank & Trust notarize my document?

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

Will the American National Bank & Trust branch print checks?

Do American National Bank & Trust checks expire?

Does American National Bank & Trust require US citizenship to open account?

Can American National Bank & Trust close my account?

Does American National Bank & Trust Report to credit bureaus?

Does American National Bank & Trust Use Equifax?

What is American National Bank & Trust's ACH Routing Number?

What is American National Bank & Trust's SWIFT code?

Products

Does American National Bank & Trust offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does American National Bank & Trust offer personal loans?

Compare personal loan rates here.

Does American National Bank & Trust offer student loans?

Will American National Bank & Trust cash a check?

Will American National Bank & Trust redeem a savings bond?

Does American National Bank & Trust cash savings bonds?

Will American National Bank & Trust cash money orders?

Can American National Bank & Trust issue a money order?

Does American National Bank & Trust do currency exchange?

Background on The Bank

Who owns American National Bank & Trust?

How long has American National Bank & Trust been around?

Can American National Bank & Trust transfer to other banks?

Does American National Bank & Trust have quick pay?

Does American National Bank & Trust accept rolled coins?

Will American National Bank & Trust accept loose change?

Where is American National Bank & Trust headquarters?

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