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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

American National Bank & Trust

Wichita Falls, Texas · $2.54B in assets · beside the 11 other Texas banks between $1B and $3B

The filing

0.97%
ROA
11th of 12
68.3%
Efficiency
11th of 12
387.8%
CRE / capital
11th of 12

American National Bank & Trust is the seventh largest of the 12 Texas banks nearest its size between $1B and $3B, with $2.54B in assets at 30 June 2026. Loans are 85.7% of deposits, 8th of 12 against a median of 78.1%, and equity is 10.2% of assets, 9th of 12. Loans grew +8.0% in the year, 3rd of 12, and deposits grew 9.1%; the cohort's median loan growth is +5.7%.

Noncurrent loans are 0.88% of the book, 8th of 12 against a median of 0.41%; 0.88% is 30 to 89 days past due, and the allowance covers them 1.2 times. Commercial real estate is 56.0% of loans, 8th of 12 against a median of 40.7%, and 388% of capital, above the 300% screen, with construction at 105% against the 100% screen.

Return on assets is 0.97%, 11th of 12 against a median of 1.67%, on an efficiency ratio of 68.3%, 11th of 12. Five years ago it was 1.21%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 9.4% of loans).

Return on assetsTX banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 1.67% SB State Bank of Texas 4.22% T Texasbank 2.32% CN Community National Bank 2.12% FU First United Bank 1.98% HB Horizon Bank SSB 1.72% WF Wells Fargo Bank S Central N.A. 1.67% TF Texas First Bank 1.66% GB Golden Bank National Association 1.58% FI Falcon International Bank 1.47% PB Pinnacle Bank 1.40% AN American National Bank & Trust 0.97% EB Extraco Banks National Association 0.79%
Loans, year over yearTX banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +5.7% T Texasbank +9.2% GB Golden Bank National Association +9.0% AN American National Bank & Trust +8.0% FI Falcon International Bank +6.5% TF Texas First Bank +6.3% HB Horizon Bank SSB +6.1% PB Pinnacle Bank +5.4% FU First United Bank +2.8% EB Extraco Banks National Association +1.1% CN Community National Bank -1.1% SB State Bank of Texas -7.0% WF Wells Fargo Bank S Central N.A. -14.6%

SBA 7(a), FY2008 to FY2026

American National Bank & Trust is the 188th largest 7(a) lender into Texas of 706, with $26M across 37 loans, 0.1% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 5 of its 11 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Tarrant, TX$8M96th of 2810.2%-0.1 pts
Denton, TX$7M61st of 2240.4%-0.2 pts
Wichita, TX$4M7th of 653.9%quiet FY2022
Dallas, TX$4M148th of 3140.1%+0.1 pts
Collin, TX$1M165th of 2610.1%quiet FY2022
Parker, TX$790K58th of 920.3%quiet FY2022
Taos, NM$779K16th of 251.6%quiet FY2022
Clay, TX$275K7th of 123.3%thin
Smith, TX$268K88th of 1010.1%thin
Hardeman, TX$156K4th of 42.6%quiet FY2012
Wise, TX$150K64th of 700.1%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Other services6$6M23.8%0.02%454th of 2,248
Construction6$5M19.4%0.02%543rd of 2,063
Accommodation & food services5$4M14.4%0.01%919th of 2,596
Retail trade7$4M13.6%0.01%850th of 2,589
Professional & technical services2$3M10.5%0.01%621st of 1,955
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and American National
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans AN American National Bank and Trust 0.1% $26M · 37 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
American NationalRankCohort median
Total CRE against capital, the 300% screen388%11th of 12251%
Construction against capital, the 100% screen105%8th of 1268%
Construction and land development, share of loans15.1%7th of 1213.9%
Non-owner-occupied nonfarm nonresidential, share of loans36.8%10th of 1223.8%
Total CRE, the guidance definition, share of loans56.0%8th of 1240.7%
CRE growth over 36 months, the third prong+26.1%8th of 12+22.9%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Pinnacle Bank$2.72B1.4%52.3%0.13%0.01%1.2%81.6%13.2%
Wells Fargo Bank S Central N.A.$2.59B1.7%14.5%1.24%0.01%0.1%102.3%30.1%
State Bank of Texas$2.59B4.2%21.4%2.16%0.00%1.0%97.8%16.4%
Extraco Banks National Association$2.57B0.8%75.7%0.04%0.04%2.4%64.4%8.4%
Horizon Bank SSB$2.55B1.7%52.6%0.00%0.02%1.7%74.0%8.0%
Community National Bank$2.54B2.1%47.6%1.66%0.01%1.7%72.7%12.9%
American National Bank & Trust$2.54B1.0%68.3%0.88%0.00%1.1%85.7%10.2%
Texasbank$2.48B2.3%52.8%0.41%0.11%1.2%106.5%12.6%
First United Bank$2.41B2.0%53.2%0.41%0.10%1.3%70.8%10.5%
Texas First Bank$2.35B1.7%58.6%0.17%0.01%1.3%65.1%9.7%
Golden Bank National Association$2.28B1.6%41.9%2.16%-0.05%1.3%101.2%13.6%
Falcon International Bank$2.25B1.5%55.0%0.00%0.02%1.1%74.5%12.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
American NationalCohort median
20212026Change20212026Change
Loans$897M$1.93B+115%$993M$1.67B+68%
Deposits$1.09B$2.25B+106%$1.45B$2.11B+46%
NPA / loans0.37%0.88%+0.51 pts0.26%0.41%+0.15 pts
Efficiency63.1%68.3%+5.2 pts56.3%52.7%-3.7 pts
ROA1.21%0.97%-0.24 pts1.39%1.67%+0.27 pts

This read was prepared for American National Bank & Trust's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on American National Bank & Trust is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks $1B to $3B
Institution www.amnat.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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