American National Bank & Trust

What American National Bank & Trust does

American National Bank & Trust is a privately-held, state-chartered community bank headquartered in Wichita Falls, Texas, founded November 29, 1976, and operating 11+ branches plus 10 dedicated mortgage centers across North Texas — covering Wichita Falls, Dallas, Denton, Fort Worth, Flower Mound, Decatur, Roanoke, Iowa Park, Quanah, Archer City, and Chillicothe. The bank serves three primary customer segments: individual consumers (checking, savings, mortgages, consumer loans, digital banking); small to mid-size businesses including agricultural operations (commercial loans, SBA lending, ACH origination, cash management, merchant processing, remote check capture); and high net worth and trust clients (personal trust, estate services, investment management, custodial services, retirement planning). As of December 31, 2016, the bank held approximately $572.9 million in total assets, growing from $173 million in 1997.

The bank's product surface spans Personal Banking, Business Banking, Mortgage Services, Trust & Wealth Management, Leasing (commercial equipment and government leasing), and Title Services, underpinned by standard banking technology infrastructure: a digital banking platform at secure.amnat.com, iOS and Android mobile applications, the TrustWeb trust portal (InfoVisa), and a dedicated Mortgage Portal. Third-party integrations include Zelle for peer-to-peer payments, QuickBooks and Quicken for accounting connectivity, and Principal and Schwab retirement logins for retirement plan participants. The bank is working toward WCAG 2.0 accessibility compliance via the Siteimprove Intelligence Platform and holds FDIC membership and Equal Housing Lender status.

Revenue is generated through three streams: interest income on consumer, mortgage, commercial, and SBA loans; non-interest income from trust/asset management fees, merchant processing, ACH origination, and cash management fees; and leasing revenue from the equipment and government leasing subsidiary. Pricing is individualized by product, term, and customer relationship, with no public rate sheet. The go-to-market emphasizes local decision-making authority branded as "The Willing Bank," targeting North Texas customers who value community-bank relationship service over national-bank scale. Distribution runs through branches, mortgage centers, trust centers, and a self-serve digital/mobile channel, with FDIC-insured deposits and federal regulatory oversight providing the institutional framework for operations.

Name

American National Bank & Trust

Legal name

American National Bank & Trust

Website

https://amnat.com

Company type

Private

Founded year

1976

Operating status

Operating

Headcount range

251–500 employees

Short description

American National Bank & Trust is a privately-held Texas community bank founded in 1976, headquartered in Wichita Falls, and serving consumers, small-to-mid-size businesses, agricultural operators, and high-net-worth trust clients across North Texas through 11+ branches and 10 mortgage centers.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221), Funds, Trusts, and Other Financial Vehicles (525)

SIC

State Commercial Banks (6022), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Real Estate (Commercial Property, REITs) (FSABACAH)

akta.pro secondary industries

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL), Corporate & Institutional Trust Services (FSAAANAB)

Keywords

• Community banking services
• Commercial lending
• Mortgage origination
• Trust wealth management
• Small business lending

Headquarters

HQ city

Wichita Falls

HQ country

United States

HQ region

North America

Offices11 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: The bank generates revenue primarily through interest earned on loans including consumer loans, mortgages, commercial loans, and SBA lending. Interest is earned on both variable and fixed-rate loan products.
2. Non-Interest Income: Revenue from fee-based services including trust and asset management fees, merchant processing services, ACH origination fees, cash management fees, and other banking service charges.
3. Leasing Revenue: The bank's leasing subsidiary generates income through equipment leasing and government leasing programs.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

American National Bank & Trust is a privately-held community bank offering personal banking (checking, savings, consumer loans, digital banking), business banking (commercial accounts, ACH origination, cash management, merchant processing, SBA lending), mortgage services through multiple Texas-based mortgage centers, trust and wealth management (personal trust, estate services, investment management), equipment leasing, and title insurance. The bank serves individuals and businesses across North Texas through 11+ branch locations supplemented by online and mobile banking channels.

Product overview

American National Bank & Trust offers a comprehensive suite of banking and financial services through a unified multi-channel platform. The core offerings include Personal Banking (checking, savings, digital banking with Zelle, consumer loans) and Business Banking (commercial accounts, ACH, cash management, merchant processing, SBA lending). The bank also provides specialized services including Mortgage Services with multiple Texas-based mortgage centers, Trust & Wealth Management (personal trust, estate services, investment management, IRAs), Leasing services for equipment and government clients, and Title Services for real estate transactions. The bank's digital platform enables online and mobile banking access, while relationship managers at branch locations provide personalized service across Texas communities.

Differentiator

Problem solved

Functional benefit

Brands

• TrustWeb: Online access platform for trust and investment services accounts
• CBJ Partnership
• Benjamin Builder

Products and services

• Personal Banking Traditional banking services for individuals including checking and savings accounts, digital banking with Zelle payments, bill pay, and personal loans.
• Business Banking
• Digital Banking
• Mortgage Services
• Trust & Wealth Management
• Leasing
• Title Services
• Consumer Loans
• SBA Lending
• Benjamin Builder

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Scale indicators4 records

Recent moves9 records

Expansion highlights4 records

Broad incumbents

• Cullen/Frost Bankers (Frost Bank): Major Texas regional bank headquartered in San Antonio with $50B+ in assets, providing commercial, consumer, and wealth management services across Texas including DFW. Same regulatory and competitive environment but at substantially greater scale.
• First Financial Bankshares: Abilene, Texas-based bank holding company with ~$13B in assets operating across west, north, and central Texas. Significantly larger but offers similar community-bank product suite and serves overlapping Texas geography.
• Prosperity Bancshares: Houston-based bank holding company with $40B+ in assets, the largest Texas-based community banking franchise. Offers similar product mix (deposits, lending, treasury management) at much greater scale, and represents the consolidation ceiling for smaller community banks.

Direct peers

• Legend Bank: Texas community bank headquartered in Bowie, TX (North Texas), with personal banking, commercial lending, mortgage, and wealth management services. Highly comparable footprint and customer base to ANB&T's Wichita Falls–anchored network.
• Southside Bancshares: Tyler, Texas-based community bank holding company with branches across Texas and Arkansas. Similar community-banking profile with personal, commercial, and mortgage lending — useful comparable for valuation and growth trajectory.
• First Financial Bank (Texas): Texas-based community bank headquartered in Abilene, operating across central and north Texas with comparable deposit-gathering, commercial lending, and trust services. Similar asset scale and Texas community-bank profile make it a close operational comparable.
• Independent Bank Group: McKinney, Texas-based community bank holding company with ~$20B in assets serving North and Central Texas. Overlaps significantly with ANB&T's DFW market and offers similar community-banking value proposition, though at larger scale.
• VeraBank: Independent Texas community bank headquartered in Henderson, TX, with branches across central and east Texas. Comparable size, similar product mix (personal/business banking, mortgage, trust), and similar community-bank positioning to ANB&T.
• Happy State Bank: Texas-based community bank operating across the Texas Panhandle and other regions. Similar relationship-banking model and full-service community bank product suite to ANB&T.
• Guaranty Bancshares: Texas-based community bank holding company headquartered in Houston, with branches across Texas. Comparable business mix of personal, commercial, and mortgage banking, though slightly larger asset base than ANB&T.

Market position

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/americannatl

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

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 & Trust