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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Ardmore, OK · FDIC certificate #24472
AMERICAN NATION BANK is an FDIC-insured institution based in Ardmore, OK (FDIC certificate #24472). In its Q3 2026 Call Report it reported total assets of $707M, total deposits of $593M and net loans of $475M. Its primary federal regulator is FED.
Plain-language readout
AMERICAN NATION BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $707M in Q3 2026 and were lowest at $688M in Q1 2026.
Total deposits were highest at $593M in Q3 2026 and lowest at $576M in Q1 2026.
Over the whole period total assets rose 2.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $707M | $593M | $475M | 1.59% | 17.02% | 3.93% |
| Q2 2026 | $691M | $578M | $478M | 1.54% | 16.36% | 3.89% |
| Q1 2026 | $688M | $576M | $476M | 1.57% | 16.83% | 3.79% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $24.6M | $29.0M | -$4.4M | -15.0% |
| Federal funds sold | $13.3M | $0K | +$13.3M | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $150.3M | $158.2M | -$7.9M | -5.0% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $478.1M | $475.7M | +$2.4M | +0.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $7.3M | $7.3M | -$25K | -0.3% |
| Other real estate owned | $4.6M | $4.9M | -$370K | -7.5% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $13.3M | $13.2M | +$155K | +1.2% |
| Total assets | $691.5M | $688.3M | +$3.2M | +0.5% |
| Liabilities | ||||
| Total deposits | $577.7M | $576.3M | +$1.3M | +0.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $43.0M | $43.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $4.8M | $4.4M | +$470K | +10.7% |
| Total liabilities | $625.5M | $623.7M | +$1.8M | +0.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.5M | $1.5M | $0K | 0.0% |
| Surplus | $7.8M | $7.8M | $0K | 0.0% |
| Retained earnings | $62.6M | $61.1M | +$1.5M | +2.5% |
| Accumulated other comprehensive income | -$5.9M | -$5.7M | -$149K | -2.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $66.0M | $64.6M | +$1.4M | +2.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $4.9M | $5.2M | -$370K | -7.1% |
| Adjusted nonperforming assets | $4.9M | $5.2M | -$370K | -7.1% |
| Tangible equity plus allowance | $73.3M | $72.0M | +$1.3M | +1.9% |
| Texas ratio (gross) | 6.61% | 7.25% | -0.64 pts | See points |
| Texas ratio (adjusted) | 6.61% | 7.25% | -0.64 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 6.61% | 7.25% | -0.64 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 10.31% | 10.12% | +0.19 pts | See points |
| Construction and land loans to total capital | 68.88% | 66.24% | +2.64 pts | See points |
| Commercial real estate to total capital | 212.75% | 208.67% | +4.08 pts | See points |
| Dividend payout, year to date | 41.14% | 40.40% | +0.74 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -8.19% | -8.16% | -0.03 pts | See points |
| Liquidity | ||||
| Core deposits | $458.5M | $447.5M | +$10.9M | +2.4% |
| Non-core funding | $162.2M | $171.8M | -$9.6M | -5.6% |
| Loans to core deposits | 105.88% | 107.94% | -2.06 pts | See points |
| Loans to deposits | 84.03% | 83.82% | +0.22 pts | See points |
| Brokered deposits share of deposits | 2.06% | 1.98% | +0.08 pts | See points |
| Pledged securities share of securities | 36.84% | 39.18% | -2.34 pts | See points |
| Loans pledged, share of loans | 24.04% | 14.46% | +9.58 pts | See points |
| Volatile liabilities | $215.1M | $223.9M | -$8.8M | -3.9% |
| Earnings | ||||
| Earnings before provision, year to date | $5.3M | $2.7M | +$2.6M | +96.0% |
| Earnings before provision, single quarter | $2.6M | $2.7M | -$107K | -4.0% |
| Provision for credit losses, year to date | $12K | $12K | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.19% | 7.03% | +0.16 pts | See points |
| Yield on interest-bearing balances due from banks | 4.50% | 4.30% | +0.20 pts | See points |
| Total interest income to average assets | 5.84% | 5.66% | +0.17 pts | See points |
| Cost of interest-bearing transaction accounts | 0.07% | 0.07% | +0.00 pts | See points |
| Cost of savings and money market deposits | 0.20% | 0.19% | +0.01 pts | See points |
| Cost of time deposits | 3.82% | 3.82% | -0.00 pts | See points |
| Total interest expense to average assets | 2.09% | 2.12% | -0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $707M | $593M | $475M | 1.59% | 17.02% | 3.93% |
| 2026-06-30 | $691M | $578M | $478M | 1.54% | 16.36% | 3.89% |
| 2026-03-31 | $688M | $576M | $476M | 1.57% | 16.83% | 3.79% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OK | $458M | 0.32% | 52 | Continuing · +0.01 pp |
| TX | $121.7M | 0.01% | 358 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.