AMERICAN NATIONAL BANK & TRUST

WICHITA FALLS, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1976FDIC #22,373

Satisfactory Same

Current rating · Exam: December 1997

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.89%

Institution Profile

FDIC BankFind

Website

www.amnat.com

Address

2732a Midwestern Pkwy, WICHITA FALLS, TX

County

Wichita County

Established

November 29, 1976

Total Assets

$2.5B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 29, 1997

Exam Type

Not Reported

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

⚠️This exam is 28 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.5B

Total Deposits

$2.2B

Net Loans

$1.9B

Net Income

$5M

ROA

0.89%

ROE

8.76%

Risk-Based Capital

13.68%

Regulatory minimum: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate2.15%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$2.1B

1-Year Change

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	1,165	81.46%	2.15%
2023	856	80.61%	2.22%
2022	726	81.68%	4.41%
2021	979	80.49%	7.56%
2020	1,392	84.12%	6.61%
2019	790	86.2%	7.34%
2018	535	86.17%	12.90%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 1994

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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