C
American National Bank & Trust
Rating Date
October 2025
Risk Based
Capital Ratio
13.69
Leverage
Ratio
10.30
Return On
Assets
0.90%
Total
Assets
2.34B
Capital
242.04M
Total
Deposits
2.07B
Net
Income
15.78M
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Weiss Ratings American National Bank & Trust
Wichita Falls, TX 		Click to
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Rating C
Asset Quality Index 4.50
Capitalization Index 9.00
Liquidity Index 0.80
Profitability Index 4.30
Stability Index 8.10
Company Info American National Bank & Trust
Wichita Falls, TX 		Click to
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FDIC Number 22373
Phone Number (940) 397-2300
Website www.amnat.com
Asset Quality American National Bank & Trust
Wichita Falls, TX 		Click to
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1-Year Asset Growth 3.57%
5-Year Asset Growth 31.61%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.26%
Non-Performing Assets to Assets 0.72%
Non-Performing Loans to Capital 8.47%
Non-Performing Loans to Loans 0.93%
Balance Sheet American National Bank & Trust
Wichita Falls, TX 		Click to
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Total Assets 2.34B
Total Deposits 2.07B
Capital and Reserves American National Bank & Trust
Wichita Falls, TX 		Click to
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Capital 242.04M
Leverage Ratio 10.30
Loan Loss Reserves to Loans 1.00%
Risk-Based Capital Ratio 13.69
Liquidity American National Bank & Trust
Wichita Falls, TX 		Click to
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Hot Money Ratio 35.78%
Liquidity Ratio 15.39%
Profitability American National Bank & Trust
Wichita Falls, TX 		Click to
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5-Year Return on Average Assets 1.00%
Net Income 15.78M
Net Interest Spread 2.94%
Operating Profit to Average Assets 1.12%
Overhead Efficiency Ratio 68.80%
Return on Assets 0.90%
Return on Equity 8.95%