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This institution is no longer active

Operations ceased on April 1, 2024. CRA examination history below reflects the period it was active.

AMERICAN NATIONAL BANK AND TRUST COMPANY

DANVILLE, VA · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1909FDIC #6,837
Satisfactory Same

Current rating · Exam: February 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Institution Profile

FDIC BankFind

Address

628 Main St, DANVILLE, VA

County

Danville City County

Established

February 9, 1909

Total Assets

$3.1B(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

February 22, 2021

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
⚠️This exam is 5 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)
Download Evaluation Report (PDF)

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202391380.28%11.17%
20221,27386.88%4.87%
20211,63887.48%3.79%
20201,27883.26%6.96%
20191,00980.48%9.71%
201892777.89%8.63%

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 3 exams

9 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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