American National Bank & Trust

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LOCATIONS

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 74^th largest bank in the state of Texas. It is also the 909^th largest bank in the nation. It was established in 1976 and as of December of 2019, it had grown to 200 employees at 10 locations. American National Bank & Trust has an A+ health rating.

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Health

A+

Data as of Q4 2019

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Health Grade Components

Overall
FDIC Certificate #	22373
Year Established	1976
Employees	200
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.28%
Return on Equity - YTD	11.5%
Annual Interest Income	$35.7MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$885.1MM$732.3MM
Loans	Q4 2019vs Q4 2018	$660.4MM$536.6MM
Deposits	Q4 2019vs Q4 2018	$772.4MM$625.7MM
Equity Capital	Q4 2019vs Q4 2018	$102.8MM$77.0MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$6.7MM$5.6MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$3.3MM$4.6MM
Real Estate Owned	Q4 2019vs Q4 2018	$1.1MM$1.2MM

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
Denton Branch	100 W Mulberry St	Denton, TX 76201

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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