American National Bank & Trust
Wichita Falls, Texas, Wichita County
$2.5B in total assets, the 510th largest of 4,309 US banks and 46th of 352 headquartered in Texas.
- FDIC certificate
- 22373
- Established
- 1976
- Owned by
- Ameribancshares Inc
- Primary regulator
- OCC
- Website
- www.amnat.com
At a glance
Compared with 77 banks headquartered in Texas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.5B | 58% | $2.2B | |
| Loans | $1.9B | 70% | $1.3B | |
| Deposits | $2.2B | 68% | $1.7B | |
| Return on assets | 0.94% | 16% | 1.54% | |
| Net interest margin | 3.27% | 20% | 3.96% | |
| Efficiency ratio | 68.3% | 77% | 57.5% | |
| Equity to assets | 10.15% | 40% | 10.77% | |
| Loans to deposits | 86% | 62% | 80% |
Growth
Total assets grew 15.4% a year over the last 5 years and 17.3% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Aug 2015 | The First National Bank of Chillicothe Chillicothe, TX | $47M |
Where they operate
13 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Wichita County, TX | $1.7B | 42.8% | 1 of 13 |
| Denton County, TX | $276M | 0.1% | 12 of 42 |
| Tarrant County, TX | $89M | 0.1% | 53 of 74 |
| Hardeman County, TX | $57M | 51.1% | 1 of 3 |
| Dallas County, TX | $57M | 0.0% | 91 of 109 |
| Archer County, TX | $25M | 29.7% | 2 of 3 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 5 branches since 2016 (8 to 13, +62.5%). 6 opened, 0 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 8 | |||
| 2017 | Opened Fort Worth | 1 | 0 | +1 | 9 |
| 2019 | Opened Denton | 1 | 0 | +1 | 10 |
| 2020 | Opened DentonClosed Denton | 1 | 1 | 0 | 10 |
| 2022 | Opened Roanoke | 1 | 0 | +1 | 11 |
| 2025 | Opened Dallas and Decatur | 2 | 0 | +2 | 13 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 46% | 38% | |
| 1-4 family residential | 19% | 20% | |
| Construction and land | 15% | 13% | |
| Business (C&I) | 5% | 15% | |
| Multifamily | 4% | 3% | |
| Farmland | 2% | 3% | |
| Consumer | 1% | 2% | |
| Agricultural | 0% | 1% | |
| Other | 8% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 43% | 48% | |
| Time deposits | 42% | 26% | |
| Noninterest-bearing | 15% | 26% |
Brokered deposits are 11.5% of deposits (peers 4.0%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.88% | 0.42% |
| Net charge-offs, annualized | 0.00% | 0.04% |
| Reserves to loans | 1.08% | 1.20% |
| Leverage ratio | 10.18% | 10.79% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Wichita County, TX
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/american-national-bank-trust-wichita-falls-tx