American National Bank & Trust

Wichita Falls, TX

Rating Date

August 2026

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Weiss Ratings	American National Bank & Trust Wichita Falls, TX	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	5.00
Capitalization Index	8.80
Liquidity Index	0.80
Profitability Index	4.30
Stability Index	8.40

Company Info	American National Bank & Trust Wichita Falls, TX	Click to Compare	Click to Compare	Click to Compare
FDIC Number	22373
Phone Number	(940) 397-2300
Website	www.amnat.com

Asset Quality	American National Bank & Trust Wichita Falls, TX	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	9.14%
5-Year Asset Growth	25.16%
5-Year Charge-Offs to Average Loans	0.09%
Charge-Offs to Average Loans	0.00%
Non-Performing Assets to Assets	0.76%
Non-Performing Loans to Capital	6.11%
Non-Performing Loans to Loans	0.83%

Balance Sheet	American National Bank & Trust Wichita Falls, TX	Click to Compare	Click to Compare	Click to Compare
Total Assets	2.54B
Total Deposits	2.25B

Capital and Reserves	American National Bank & Trust Wichita Falls, TX	Click to Compare	Click to Compare	Click to Compare
Capital	257.51M
Leverage Ratio	10.18
Loan Loss Reserves to Loans	1.08%
Risk-Based Capital Ratio	13.77

Liquidity	American National Bank & Trust Wichita Falls, TX	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	38.94%
Liquidity Ratio	16.76%

Profitability	American National Bank & Trust Wichita Falls, TX	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.96%
Net Income	12.25M
Net Interest Spread	3.20%
Operating Profit to Average Assets	1.22%
Overhead Efficiency Ratio	68.32%
Return on Assets	0.99%
Return on Equity	9.73%