C
American National Bank & Trust
Rating Date
March 2026
Risk Based
Capital Ratio
13.58
Leverage
Ratio
10.15
Return On
Assets
0.90%
Total
Assets
2.45B
Capital
247.68M
Total
Deposits
2.18B
Net
Income
21.20M
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Weiss Ratings American National Bank & Trust
Wichita Falls, TX 		Click to
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Rating C
Asset Quality Index 4.70
Capitalization Index 8.70
Liquidity Index 0.80
Profitability Index 4.30
Stability Index 7.80
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 7.21%
5-Year Asset Growth 25.16%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.19%
Non-Performing Assets to Assets 0.73%
Non-Performing Loans to Capital 7.22%
Non-Performing Loans to Loans 0.77%
Balance Sheet American National Bank & Trust
Wichita Falls, TX 		Click to
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Total Assets 2.45B
Total Deposits 2.18B
Capital and Reserves American National Bank & Trust
Wichita Falls, TX 		Click to
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Capital 247.68M
Leverage Ratio 10.15
Loan Loss Reserves to Loans 1.01%
Risk-Based Capital Ratio 13.58
Liquidity American National Bank & Trust
Wichita Falls, TX 		Click to
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Hot Money Ratio 38.36%
Liquidity Ratio 15.46%
Profitability American National Bank & Trust
Wichita Falls, TX 		Click to
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5-Year Return on Average Assets 1.00%
Net Income 21.20M
Net Interest Spread 2.98%
Operating Profit to Average Assets 1.11%
Overhead Efficiency Ratio 69.55%
Return on Assets 0.90%
Return on Equity 8.93%