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American National Bank & Trust

$1B-$10B Specialty: Commercial TX FDIC cert 22373

Designations: ✓ Community bank

Wichita Falls, TX

14 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
  • Deposits +9.1% year over year ($2.2B on the books).
  • Delinquency rate 0.89%.
  • Return on assets 0.99%.
  • Efficiency ratio 68.32% vs a 59.73% peer average.
  • Loan-to-deposit ratio 84.81% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX
View $1B-$10B leaderboard (TX) →

American National Bank & Trust faces 4 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 73.9% in tier
  • - ROA 0.41% below tier average
  • - Net Interest Margin 0.60% below tier average
  • - Efficiency Ratio 8.59% above tier average
Get updates when American National Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $2.5B
+9.1% YoY +2.7% QoQ
-$256.8M $2.8B
-0.6% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
62%
Total Loans ? $1.9B
+7.9% YoY +2.1% QoQ
-$56.9M $2.0B
-0.3% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
65%
Total Deposits ? $2.2B
+9.1% YoY +2.6% QoQ
-$71.1M $2.3B
-0.5% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
65%
Return on Assets ? 0.99%
+7.7% YoY +10.9% QoQ
-0.41% 1.39%
+17.0% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
29%
Net Interest Margin ? 3.27%
+11.5% YoY +2.7% QoQ
-0.60% 3.87%
+6.2% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
25%
Efficiency Ratio ? 68.32%
+0.6% YoY -2.7% QoQ
+8.59% 59.73%
-12.6% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
24%
Delinquency Rate ? 0.89%
-27.2% YoY +4.9% QoQ
+0.02% 0.87%
+11.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
31%
Loan-to-Deposit Ratio ? 84.81%
-1.1% YoY -0.5% QoQ
-0.22% 85.04%
-0.1% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
56%
Non-Interest-Bearing Deposit Share ? 14.69%
-13.4% YoY +0.1% QoQ
-6.58% 21.27%
-1.5% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
26%
Nonperforming Asset Ratio ? 0.80%
-14.1% YoY +3.1% QoQ
+0.12% 0.67%
+11.7% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
28%
Tier 1 Capital Ratio ? 12.66%
-0.1% YoY +0.6% QoQ
-2.18% 14.84%
-0.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
44%
Non-Interest Income / Assets ? 0.60%
-3.6% YoY +106.9% QoQ
+0.07% 0.53%
+2.5% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
Top 13.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 14.7%
-2.3pp YoY
0.0pp QoQ
 -6.7pp 21.4% 29.2% 22.2% 25%
Brokered Deposits 11.5%
+5.8pp YoY
-0.5pp QoQ
 +2.1pp 9.5% 8.0% 8.5% 73%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 5.2%
-1.0pp YoY
0.0pp QoQ
 -8.8pp 14.0% 14.8% 12.5% 19%
CRE 66.0%
+0.7pp YoY
-1.1pp QoQ
 +16.0pp 50.0% 48.4% 41.4% 84%
1-4 Family 18.7%
-1.0pp YoY
+0.5pp QoQ
 -7.7pp 26.4% 25.8% 31.3% 39%
Consumer 0.7%
-0.3pp YoY
-0.1pp QoQ
 -4.0pp 4.7% 4.7% 5.0% 37%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 12.7%
0.0pp YoY
+0.1pp QoQ
 -2.9pp 15.6% 22.7% 19.7% 36%
Leverage Ratio 10.2%
0.0pp YoY
0.0pp QoQ
 -1.1pp 11.3% 12.6% 12.6% 42%
Total Capital Ratio 13.8%
0.0pp YoY
+0.1pp QoQ
 -2.9pp 16.7% 23.8% 20.8% 36%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 334
+8 (+2.5%) YoY
+11 (+3.4%) QoQ
 +20 313 186 482 70%
Assets per Employee ($) $7.6M
+6.5% YoY
-0.7% QoQ
 -$2.9M $10.5M $10.1M $8.8M 33%
Branch Count 14
+1 (+7.7%) YoY
0 QoQ
 -6 20 12 18 46%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-0.2pp YoY
+0.1pp QoQ
 -0.1pp 0.2% 0.3% 0.4% 64%
Nonaccrual 0.8%
-0.1pp YoY
0.0pp QoQ
 0.0pp 0.8% 1.0% 1.0% 68%
Allowance Coverage 1.24x
+40.1% YoY
-2.4% QoQ
 -17.47x 18.71x 18.82x 20.23x 31%
Net Charge-off Rate (YTD) 0.0%
-0.2pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 22%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 9.7%
+0.6pp YoY
+1.0pp QoQ
 -2.9pp 12.6% 13.2% 11.6% 31%
Cost of Funds (YTD) 2.7%
-0.3pp YoY
0.0pp QoQ
 +0.8pp 1.9% 1.6% 1.7% 90%
Net Income ($, YTD) $12.2M
+15.1% YoY
— QoQ
 -$7.0M $19.2M $15.9M $40.4M 50%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

NIB Deposit Bleed

decline
#35 of 46 • Bottom 73.9% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 14.69%
(Tier: 21.27%, National: 21.98%)
worse than tier avg
46 of 46 Mid-Market banks match · 211 nationally
↓ Shrinking -26 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

124
Non-Interest Income / Assets
revenue_mix
Value: 0.60%
Peer Median: 0.53%
#124 of 885 Top 13.9% in $1B-$10B

Top Weaknesses (2 metrics)

671
Efficiency Ratio
profitability
Value: 68.32%
Peer Median: 59.73%
#671 of 885 Bottom 24.3% in $1B-$10B
669
Net Interest Margin
profitability
Value: 3.27%
Peer Median: 3.87%
#669 of 885 Bottom 24.5% in $1B-$10B
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