American National Bank & Trust

Overview / Commentary

www.amnat.com

940-397-2300

2732 Midwestern Parkway
Wichita Falls, TX 76308

American National Bank & Trust is headquartered in Wichita Falls and is the 76^th largest bank in the state of Texas. It is also the 874^th largest bank in the nation. It was established in 1976 and as of December of 2020, it had grown to 211 employees at 12 locations. American National Bank & Trust's money market rates are 14% higher than the national average, and it has an A health rating.

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Health

Data as of Q4 2020

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Health Grade Components

Overall
FDIC Certificate #	22373
Year Established	1976
Employees	211
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.11%
Return on Equity - YTD	10.17%
Annual Interest Income	$39.8MM

Assets and Liabilities
Assets	Q4 2020vs Q4 2019	$1.08B$885.1MM
Loans	Q4 2020vs Q4 2019	$802.1MM$660.4MM
Deposits	Q4 2020vs Q4 2019	$951.2MM$772.4MM
Equity Capital	Q4 2020vs Q4 2019	$118.2MM$102.8MM
Loan Loss Allowance	Q4 2020vs Q4 2019	$12.1MM$6.7MM
Unbacked Noncurrent Loans	Q4 2020vs Q4 2019	$7.9MM$3.3MM
Real Estate Owned	Q4 2020vs Q4 2019	$1.1MM$1.1MM

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

American National Bank & Trust Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.45%^*	$100k^*	-	Health Savings Accounts
OTHER TIERS: 0.01% → $500 - $2.5k \| 0.05% → $2.5k - $25k \| 0.15% → $25k - $50k \| 0.25% → $50k - $75k \| 0.35% → $75k - $100k
0.08%	$100	-	Savings Account
0.08%	$1	-	Student Savings Account

American National Bank & Trust Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$100k^*	-	Money Market Gold
OTHER TIERS: 0.10% → Up to $25k \| 0.20% → $25k - $50k \| 0.30% → $50k - $75k \| 0.40% → $75k - $100k
0.45%^*	$100k^*	-	Money Market Fund
OTHER TIERS: 0.01% → $500 - $2.5k \| 0.05% → $2.5k - $25k \| 0.15% → $25k - $50k \| 0.25% → $50k - $75k \| 0.35% → $75k - $100k

American National Bank & Trust Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%^*	$25k^*	-	Business Interest Checking
OTHER TIERS: 0.05% → $1k - $5k \| 0.08% → $5k - $25k
0.10%^*	$25k^*	-	Champion Elite Checking
OTHER TIERS: 0.05% → $1k - $5k \| 0.08% → $5k - $25k

American National Bank & Trust CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.95%^*	$250k^*	-	5 Year CD
OTHER TIERS: 0.90% → $1k - $250k
0.90%^*	$250k^*	-	4 Year CD
OTHER TIERS: 0.85% → $1k - $250k
0.80%	$1k	-	3 Year CD
0.70%	$1k	-	2 Year CD
0.50%	$1k	-	1 Year CD
0.40%	$250k	-	210 Day CD
0.40%	$250k	-	270 Day CD
0.30%	$1k	-	180 Day CD
0.25%	$250k	-	120 Day CD
0.25%	$250k	-	150 Day CD
0.20%	$250k	-	60 Day CD
0.20%	$1k	-	90 Day CD
0.15%	$1k	-	30 Day CD

American National Bank & Trust IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.90%	$200	-	5 Year IRA
0.85%	$200	-	4 Year IRA
0.80%	$200	-	3 Year IRA
0.70%	$200	-	2 Year IRA
0.70%	$200	-	2 Year Variable IRA
0.50%	$200	-	1 Year IRA
0.30%	$200	-	3 Month IRA

Locations

Cities: Archer City, Chillicothe, Denton, Flower Mound, Fort Worth, Iowa Park, Quanah, Wichita Falls

Archer City Branches
Archer City Branch	111 S. Center	Archer City, TX 76351

Chillicothe Branches
The First National Bank Of Chillicot	200 Avenue H	Chillicothe, TX 79225

Denton Branches
American National Bank & Trust Branc	120 S. Carroll Blvd.	Denton, TX 76021

Flower Mound Branches
Flower Mound Branch	1201 Cross Timbers Road	Flower Mound, TX 75028

Fort Worth Branches
Fort Worth Branch	1500 West 7th Street	Fort Worth, TX 76102

Iowa Park Branches
219 West Park Branch	219 West Park	Iowa Park, TX 76367

Quanah Branches
Quanah Branch	111 West Fourth Street	Quanah, TX 79252

Wichita Falls Branches
Elmwood Branch	1920 Elmwood Ave N.	Wichita Falls, TX 76308
American National Bank & Trust	2732a Midwestern Parkway	Wichita Falls, TX 76308
Downtown Wichita Falls Branch	719 Scott Ave	Wichita Falls, TX 76301

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