American National Bank & Trust
Wichita Falls, TX
IDRSSD: 498362
Total Assets
$2.34B
Latest filing
Total Deposits
$2.07B
Latest filing
Net Interest Margin
3.12%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
American National Bank & Trust
2732a Midwestern Pkwy
Wichita Falls, TX 76308
Full Service - Brick and Mortar
Updated 11/14/2025Established 11/29/1976FDIC Certificate 15580
Branches (13)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| American National Bank & Trust (Main) | 2732a Midwestern Pkwy | Wichita Falls, TX |
| QUANAH BRANCH | 111 W 4th St | Quanah, TX |
| THE FIRST NATIONAL BANK OF CHILLICOTHE BRANCH | 200 Avenue H | Chillicothe, TX |
| FLOWER MOUND BRANCH | 1201 Cross Timbers Rd | Flower Mound, TX |
| 219 WEST PARK BRANCH | 219 W Park Ave | Iowa Park, TX |
| DOWNTOWN WICHITA FALLS BRANCH | 825 Scott Ave | Wichita Falls, TX |
| ARCHER CITY BRANCH | 108 W Main | Archer City, TX |
| ELMWOOD BRANCH | 1920 Elmwood North Ave | Wichita Falls, TX |
Showing 7 of 13
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 11/29/1976 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76308 |
| State and County Number | 48485 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Wichita Falls, TX |
Operational Info
| Number of Employees | 326 |
| Domestic Offices | 13 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 11/29/1976 |
| Primary Insurance Agency | DIF |
| Website | www.amnat.com |
| Data Updated | 11/14/2025 |
| CERT | 22373 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.34B |
| Total Deposits | $2.07B |
| Total Liabilities | $2.10B |
| Total Equity Capital | $242.03M |
| Net Income | $5.13M |
| Net Loans and Leases | $1.80B |
| Assets Per Employee ($Millions) | $7.21M |
| Bank Premises and Fixed Assets | $56.48M |
| Cash and Balances due from Depository Institutions | $279.13M |
| Deposits Held in Domestic Offices | $2.07B |
Key Performance Ratios
| Return on Assets (ROA) | 0.88% |
| Return on Equity (ROE) | 8.56% |
| Net Interest Margin | 3.12% |
| Efficiency Ratio | 70.5% |
| Tier 1 Risk-Based Capital Ratio | 12.655% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.322% |
| Earning Assets to total Assets | 94.61% |
Income and Expense
| Total Interest Income | $34.04M |
| Total Noninterest Income | $7.44M |
| Total Interest Expense | $16.83M |
| Total Noninterest Expense | $17.38M |
| Net Interest Income | $17.22M |
| Pre-tax Net Operating Income | $6.37M |
| Provision for Credit Losses | $900.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $31.79M |
| Total Liabilities and Capital | $2.34B |
Securities
| Securities | $149.03M |
| Available-for-sale debt securities | $149.03M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of American National Bank & Trust?
$2.34B as of the latest filing.
How much are American National Bank & Trust's total deposits?
$2.07B in total deposits.
Where is American National Bank & Trust located?
Wichita Falls, TX.
What is the Net Interest Margin?
3.12%.
How many domestic offices does it operate?
13.
When was it established?
11/29/1976.
What is the Return on Assets (ROA)?
0.88%.
How much are total loans and leases?
$1.80B (latest filing).
What is the total interest income (latest filing)?
$34.04M.