American National Bank of Texas

What American National Bank of Texas does

American National Bank of Texas (ANBTX) is a privately held community bank headquartered in Fort Worth, Texas, founded in 1875 (also cited as 1876 in some sources), with $5.5 billion in total assets as of February 2025 and approximately 501–1,000 employees. The bank operates 30 physical banking centers across North Texas spanning Fort Worth, Dallas, Plano, McKinney, Allen, Rockwall, Heath, Burleson, Mansfield, Hurst, Terrell, and other communities, complemented by loan production offices in Dallas and Frisco and a wealth management office in Richardson. ANBTX offers four core product lines — Business Banking, Personal Banking, Mortgage, and Wealth Management — and is FDIC-insured. It is recognized as one of only five best-in-state banks in Texas, a distinction held by only 2.8% of U.S. banks.

The bank's product architecture follows a platform-plus-modules model. Business Banking spans checking (Basic, Interest, Analysis, Nonprofit), savings, lines of credit, term loans, commercial mortgages, commercial real estate loans, SBA loans, business credit cards, and employee benefit plans. Personal Banking includes multiple checking tiers (Free eChecking, MyChoice, DirectPlus, Premium, No Overdraft Fee), savings, money market, youth savings, CDs, IRAs, HSAs, personal loans, home equity, and credit cards. Mortgage covers purchase, refinance, home equity, construction, specialty, improvement, and lot/land loans. Wealth Management provides investment advisory, retirement planning, company retirement plans, and trust/estate services through the ANBTX Trust Division. Digital delivery is tiered: Business Digital Services (Essential/Enhanced/Advanced) for treasury and cash management, and Personal Digital Banking with mobile apps (iOS and Android), online banking, bill pay, Zelle, MoneyHD PFM aggregation, and card management. Internal IT infrastructure is built on Omnissa Horizon virtual desktops running on Nutanix AHV.

ANBTX's revenue is generated through traditional community banking mechanics: net interest income from loans (commercial, business, consumer, mortgage, home equity) funded by deposits, plus fee income from treasury management services, deposit service charges, wealth management advisory fees, mortgage origination fees, and interchange. Its go-to-market is sales-led and relationship-based, anchored by the branch network and supported by direct mortgage loan officers and wealth advisors. Customer segments are horizontal — SMBs, individual consumers, home buyers, and wealth clients — with no disclosed large-anchor enterprise customers.

Name

American National Bank of Texas

Legal name

American National Bank of Texas

Website

https://anbtx.com

Company type

Private

Founded year

1876

Operating status

Operating

Headcount range

501–1,000 employees

Short description

American National Bank of Texas is a $5.5B-asset, privately held community bank founded in 1875, operating 30 branches across North Texas and serving small-to-mid-size businesses, individual consumers, home buyers, and wealth management clients through business banking, personal banking, mortgage, and wealth/trust services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), Consumer & Retail (CPG, Food, Apparel) (FSABACAM), Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE)

Keywords

• Community banking services
• Commercial lending
• Mortgage lending
• Wealth management
• Treasury management

Headquarters

HQ city

Terrell

HQ country

United States

HQ region

North America

Offices31 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income: Traditional banking interest income from loans including business loans, commercial mortgages, personal loans, home equity, and mortgage lending.
2. Deposit Fees and Service Charges: Fees from business and personal checking accounts, analysis checking, and other deposit services.
3. Wealth Management Services: Investment and advisory services, trust and estate solutions, company retirement plans, and trusteed IRA services.
4. Mortgage Origination: Mortgage lending including purchase, refinance, home equity, construction, and specialty loans.
5. Treasury Management Services: Cash management, ACH direct deposit, wire transfers, payables and receivables solutions, liquidity management, and fraud mitigation services for business customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

American National Bank of Texas is a community bank that provides business banking (checking, savings, loans, commercial lending, SBA loans, credit cards, employee benefit plans, and tiered digital services), personal banking (checking, savings, CDs/IRAs, personal loans, credit cards, HSAs, and digital banking), mortgage lending (purchase, refinance, home equity, construction, lot/land, and specialty loans), and wealth management (investment advisory, retirement planning, trust, and estate services) to small and mid-size businesses, individual consumers, home buyers, and wealth clients across North Texas through 30 branch locations and digital channels.

Product overview

American National Bank of Texas (ANBTX) is a $5.5 billion-asset community bank offering a comprehensive suite of banking products through a platform-plus-modules architecture. The core offerings span Business Banking (checking, savings, loans, credit cards, employee benefits) and Personal Banking (checking, savings, loans, credit cards), with digital delivery through Business Digital Services (Essential/Enhanced/Advanced tiers) and Personal Digital Banking (Mobile, Online, MoneyHD™ PFM). The bank also operates dedicated Mortgage and Wealth Management divisions providing home lending, investment advisory, retirement planning, and trust/estate services. The 30-location institution serves North Texas communities with full-service banking capabilities.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Banking Full-service business banking for small and mid-size businesses, commercial entities, and nonprofits, including Basic Business Checking, Business Interest Checking, Business Analysis Checking, and Nonprofit Checking; business savings; business loans and lines of credit (working capital lines, term loans); commercial mortgage loans; commercial real estate loans; SBA loans; business credit cards; and employee benefit plan solutions.
• Personal Banking Personal banking for individuals and families including Free eChecking, MyChoice Checking, DirectPlus Checking, Premium Checking, and No Overdraft Fee Banking; personal savings and money market; youth savings; CDs and IRAs; auto and other vehicle loans; home equity options; other personal loans and lines of credit; personal credit cards; Health Savings Account; and safe deposit box.
• Mortgage Lending Home lending services for home buyers, refinancers, and homeowners, including purchase mortgages, refinance, home equity, low and no down payment loans, specialty loans, improvement loans, construction loans, and lot and land loans, originated through ANBTX's home lending team.
• Wealth Management Advisory-led wealth services including investment and advisory services, retirement planning, business wealth management, and company retirement plans, provided through ANBTX financial advisors and supported by published fee schedules.
• Trust and Estate Solutions Trust and estate services for individuals, families, and businesses including personal trusts, estate administration services, investment management, corporate trusts, business exit plans, and ANBTX Trust IRAs (including living trusts, special needs trusts, charitable trusts, and irrevocable life insurance trusts).
• Commercial Lending Commercial financing solutions for businesses beyond standard business loans, supporting working capital, growth, and commercial real estate needs.
• Treasury Management Services Advanced business banking services including ACH direct deposit, domestic wire transfer, user entitlements, information reporting, payables solutions, receivables solutions, liquidity management, and fraud mitigation, layered on top of Business Online essentials.
• Employee Benefit Solutions Employee benefit plan services for businesses, including retirement plan administration and related benefit offerings, delivered as part of ANBTX's business banking suite.

Quantifiable outcome

• $5.5 billion in assets under management

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature2 records

Partnerships

One partnership is on record.

• Ameriprise Financial Services, LLCminorStrategic or Co-development PartnerAmeriprise Financial Services, LLC provides investment and advisory services integration with ANBTX. The bank offers Ameriprise client login through its website, allowing customers to access Ameriprise accounts alongside their ANBTX banking services.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• BOK Financial: Tulsa-based regional bank holding company with significant Texas operations. Comparable commercial/commercial real estate lending model to ANBTX but at much larger and more diversified scale.
• JPMorgan Chase: Largest US bank with major North Texas retail and commercial presence. Competes with ANBTX for SMB and consumer deposits in DFW but operates at vastly greater scale and digital breadth.
• Bank of America: National banking incumbent with strong DFW retail and SMB presence. Competes with ANBTX for deposits and small-business banking in North Texas but at materially larger scale.
• Wells Fargo: Major US banking incumbent with significant Texas retail and commercial operations. Competes with ANBTX in North Texas across consumer, small-business, and mortgage lines.

Direct peers

• PlainsCapital Bank: Dallas-based commercial bank offering business, personal, and wealth services. Comparable to ANBTX in Texas market focus and full-service community banking model.
• Frost Bank: Texas-headquartered community/regional bank offering commercial, consumer, and wealth services across the state. Directly comparable to ANBTX as a Texas-focused community bank with strong brand and full-service offerings.
• Texas Capital Bank: Texas-based commercial bank serving businesses and high-net-worth individuals. Comparable to ANBTX in Texas market focus and business/commercial banking orientation, though more wholesale-leaning.
• Prosperity Bancshares: Houston-based bank holding company with extensive Texas branch network. Directly comparable to ANBTX as a Texas community bank with consumer and commercial banking, though at significantly larger scale.
• Independent Bank Group: Texas-headquartered community bank holding company with operations across Texas and the Southwest. Comparable to ANBTX as a Texas community bank with consumer, commercial, and mortgage banking.
• Comerica Bank: Dallas-headquartered commercial bank with strong Texas presence. Comparable to ANBTX as a Texas-based commercial/community bank, though operating at much larger scale and broader geographic footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/anbtx
• LinkedInlinkedin.com/company/anbtx
• Xx.com/anbtx

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries1 record

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about American National Bank of Texas