The American National Bank of Texas
Terrell, Texas, Kaufman County
$5.5B in total assets, the 273rd largest of 4,309 US banks and 18th of 352 headquartered in Texas.
- FDIC certificate
- 23474
- Established
- 1981
- Owned by
- A N B Holding Co Ltd
- Primary regulator
- OCC
- Website
- www.anbtx.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 | $5.5B | 95% | $2.2B | |
| Loans | $3.4B | 91% | $1.3B | |
| Deposits | $4.6B | 91% | $1.7B | |
| Return on assets | 0.48% | 4% | 1.54% | |
| Net interest margin | 2.85% | 8% | 3.96% | |
| Efficiency ratio | 74.8% | 87% | 57.5% | |
| Equity to assets | 5.96% | 2% | 10.77% | |
| Loans to deposits | 74% | 39% | 80% |
Growth
Total assets grew 2.2% a year over the last 5 years and 7.6% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Sep 2018 | First State Bank Mesquite, TX, an affiliate under the same holding company | $196M |
| Jun 2008 | Dallas National Bank Dallas, TX, an affiliate under the same holding company | $98M |
| Feb 2008 | Citizens National Bank Fort Worth, TX, an affiliate under the same holding company | $140M |
| Jun 1999 | The Bank of Van Zandt Canton, TX, an affiliate under the same holding company | $66M |
| Jan 1998 | The First National Bank of Wills Point Wills Point, TX | $29M |
| Sep 1994 | The American National Bank of Terrell Terrell, TX, an affiliate under the same holding company | $316M |
| Apr 1990 | First State Bank of Crandall Crandall, TX | $16M |
| Jul 1989 | Independent Bank - East, National Association Rockwall, TX | $41M |
Where they operate
28 branches in 8 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Kaufman County, TX | $1.3B | 46.3% | 1 of 11 |
| Collin County, TX | $833M | 2.1% | 8 of 70 |
| Rockwall County, TX | $735M | 23.9% | 1 of 18 |
| Dallas County, TX | $729M | 0.2% | 39 of 109 |
| Tarrant County, TX | $404M | 0.6% | 27 of 74 |
| Hunt County, TX | $349M | 22.8% | 3 of 10 |
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 3 branches since 2016 (25 to 28, +12.0%). 2 opened, 1 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 25 | |||
| 2018 | Acquired First State BankOpened Frisco | 2 | 0 | +2 | 27 |
| 2025 | Opened Heath | 1 | 0 | +1 | 28 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 42% | 38% | |
| 1-4 family residential | 22% | 20% | |
| Construction and land | 15% | 13% | |
| Business (C&I) | 8% | 15% | |
| Multifamily | 4% | 3% | |
| Farmland | 2% | 3% | |
| Consumer | 1% | 2% | |
| Agricultural | 0% | 1% | |
| Other | 5% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 52% | 48% | |
| Noninterest-bearing | 37% | 26% | |
| Time deposits | 11% | 26% |
Brokered deposits are 0.0% of deposits (peers 4.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.23% | 0.46% |
| Net charge-offs, annualized | 0.03% | 0.04% |
| Reserves to loans | 1.26% | 1.20% |
| Leverage ratio | 8.84% | 10.79% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Kaufman 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/american-texas