Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · catalog mismatch

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

AMERICAN NATIONAL BANK&TRUST

FDIC #22373 · TX · period 20260630

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Total assets1,026,248-17.34% YoY

Total deposits902,051-17.22% YoY

Net loans and leases729,634-17.46% YoY

Return on assets1.09%-14.19% YoY

Return on equity9.76%-17.36% YoY

Net interest margin3.83%+5.18% YoY

Peer position

Return on assets30thopportunity · n=902

Return on equity31stin line · n=894

Net interest margin25thopportunity · n=902

Equity to assets46thin line · n=894

Noncurrent loans31stin line · n=887

Liquid assets46thin line · n=895

Brokered deposits18thopportunity · n=890

Loans to deposits57thin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2020-06-30	1,026,248	902,051	729,634	1.09	9.76	3.83
2020-09-30	1,063,475	935,307	771,703	1.19	10.84	3.81
2020-12-31	1,084,599	951,179	802,114	1.11	10.17	3.80
2021-03-31	1,174,438	1,040,649	822,914	1.39	13.15	3.73
2021-06-30	1,241,467	1,089,651	883,958	1.27	11.81	3.64
2021-09-30	1,301,054	1,141,427	870,262	1.31	12.07	3.61
2021-12-31	1,368,411	1,196,811	939,133	1.28	11.63	3.53
2022-03-31	1,427,169	1,242,299	1,050,571	1.23	10.44	3.30
2022-06-30	1,545,106	1,344,845	1,208,960	1.26	10.66	3.42
2022-09-30	1,633,507	1,429,878	1,270,700	1.22	10.38	3.44
2022-12-31	1,710,167	1,503,548	1,365,981	1.15	9.90	3.36
2023-03-31	1,803,897	1,568,584	1,408,760	0.60	5.55	2.64
2023-06-30	1,906,151	1,669,276	1,496,062	0.67	6.35	2.62
2023-09-30	2,007,988	1,739,020	1,552,326	0.72	6.91	2.67
2023-12-31	2,137,864	1,866,787	1,595,338	0.74	7.30	2.66
2024-03-31	2,208,983	1,930,586	1,649,682	0.60	6.39	2.38
2024-06-30	2,180,097	1,934,984	1,709,536	0.67	6.98	2.55
2024-09-30	2,263,807	2,009,146	1,744,522	0.72	7.40	2.66
2024-12-31	2,284,059	2,035,318	1,759,720	0.72	7.36	2.71
2025-03-31	2,370,355	2,113,108	1,733,155	0.86	8.69	2.80
2025-06-30	2,324,037	2,060,377	1,765,992	0.91	9.15	2.93
2025-09-30	2,344,737	2,070,914	1,795,991	0.90	8.95	2.99
2025-12-31	2,448,815	2,176,494	1,867,750	0.90	8.92	3.04
2026-03-31	2,470,409	2,191,387	1,867,713	0.89	8.76	3.18
2026-06-30	2,536,428	2,247,696	1,906,286	0.99	9.72	3.27

Structure and branch footprint

14 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2015-08-15	1	880556	498362

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.