American National Bank
American National Bank is a privately held regional bank founded in 1856 and headquartered in Omaha, Nebraska, offering personal and business banking, treasury management, mortgages, and credit cards across 30+ branches in eastern Nebraska, western Iowa, and Minneapolis-St. Paul. Acquired by Associated Banc-Corp for $604 million in April 2026, it now operates as a division of Associated Bank.
- Company typePrivate
- Founded1856
- HeadquartersOmaha, United States
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
What American National Bank does
American National Bank is a privately held regional bank founded in 1856 and headquartered in Omaha, Nebraska, providing commercial and personal banking services across eastern Nebraska, western Iowa, and the Minneapolis-St. Paul area through 30+ branches and a digital banking platform. Its product set spans tiered consumer deposit products (Basic, Premium, and High-Yield Checking; savings and money market accounts; CDs with promotional rates of 4.01% APY on a 7-month CD and 3.51% APY on a 13-month CD as of March 2026), consumer lending (mortgages, HELOCs, personal loans), three credit card variants (Platinum Low Rate, Platinum Plus Rewards, World Rewards), and private banking. Business banking covers commercial checking, treasury management (ACH, wires, positive pay, QuickBooks integration, merchant services, liquidity management), SBA Preferred Lender lending, commercial real estate, agriculture, healthcare, nonprofit, and specialized church growth financing. The technology stack centers on three proprietary digital properties: ANB Go (consumer mobile/online banking), ANB Go Business (commercial treasury platform), and ANB Card Controls (debit/credit card management app launched March 2025, replacing the prior MobiMoney platform), with integrations to Apple Pay, Google Pay, Samsung Pay, Garmin Pay, QuickBooks, and the ScoreCard Rewards program. AI/ML capability is limited to rule-based fraud transaction monitoring (velocity, large-dollar, and geographic anomaly detection).
The bank operates a hybrid go-to-market combining physical branches (relationship-driven, with locally based decision-makers) and self-serve digital channels, distributing consumer and SMB banking products direct-to-customer. Revenue is generated primarily through net interest income on a diversified loan portfolio (CRE, agriculture, SMB, mortgage, consumer), supplemented by recurring fee streams from account services, interchange, treasury management, and merchant services. Following the April 1, 2026 closing of Associated Banc-Corp's $604 million acquisition of American National Corporation, the bank now operates as a division of Associated Bank, National Association, with full system and branch integration planned for Q3 2026 and former CEO Wende Kotouc joining the Associated Board of Directors.
American National Bank firmographics
Firmographics- Name
- American National Bank
- Legal name
- American National Bank
- Website
- https://american.bank
- Company type
- Private
- Founded year
- 1856
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- American National Bank is a privately held regional bank founded in 1856 and headquartered in Omaha, Nebraska, offering personal and business banking, treasury management, mortgages, and credit cards across 30+ branches in eastern Nebraska, western Iowa, and Minneapolis-St. Paul. Acquired by Associated Banc-Corp for $604 million in April 2026, it now operates as a division of Associated Bank.
- Ownership category
- akta.pro rank
American National Bank industry classification
Industry- Product category
- Regional Retail and Commercial Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022), National Commercial Banks (6021)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industry
- Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)
Keywords
Where American National Bank is headquartered
LocationHeadquarters
- HQ city
- Omaha
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
American National Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain
Revenue model
- Net Interest Income: Traditional banking revenue from interest earned on loans (including commercial real estate, agriculture, small business, home mortgages, personal loans, HELOCs) minus interest paid on deposits (checking, savings, money market, CDs).
- Banking Fees and Service Charges: Fee income from account maintenance, overdraft fees, excessive withdrawal fees, paper statement fees, stop payment fees, wire transfer fees, and other banking service charges.
- Treasury and Business Services: Revenue from commercial treasury management services, merchant services, payables/receivables management, and business banking solutions.
- Credit Card Revenue: Income from credit card interchange fees, annual fees (though cards mention no annual fees), balance transfer fees, and cash advance fees on Platinum Low Rate, Platinum Plus Rewards, and World Rewards cards.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Pay-as-you-go | 7-month CD with 4.01% APY, $2,000 minimum, new deposits only |
| Subscription | Pay-as-you-go | 13-month CD with 3.51% APY, $2,000 minimum, new deposits only |
| Subscription | Pay-as-you-go | 6-month Money Market with 3.25% APY, $25,000 minimum, new deposits only |
| Subscription | Monthly | Basic Checking - $25 to open, $0 minimum balance, no monthly fees |
| Subscription | Monthly | Premium Checking - earns interest, $15 monthly fee if balance falls below $750 |
| Subscription | Monthly | High-Yield Checking - highest earning checking, $5 monthly fee if balance below $1,500 |
| Subscription | Monthly | Consumer Savings - $25 minimum to open, $50 daily balance to earn interest, $6 service charge below $50 |
| Subscription | Monthly | Consumer Money Market - $25 minimum to open, $2,500 daily balance to avoid $15 fee |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
American National Bank product offering
Product offeringCore offering
American National Bank is a regional bank offering personal and business banking products and services across eastern Nebraska, western Iowa, and the Minneapolis-St. Paul area. Its consumer line includes checking, savings, money market, CDs, credit cards, mortgages, HELOCs, and private banking, while its business line spans checking, treasury management, merchant services, commercial real estate, agricultural, small business, and specialty financing. The bank distributes through 30+ branch locations and digital channels including the ANB Go consumer mobile app, ANB Go Business treasury platform, and ANB Card Controls application.
Product overview
American National Bank offers a unified banking platform combining personal and business banking products with digital banking capabilities. The core digital ecosystem centers on ANB Go (consumer mobile/online banking), ANB Go Business (commercial treasury management), and ANB Card Controls (debit/credit card management). Personal banking includes three-tier checking (Basic, Premium, High-Yield), savings and money market accounts, CDs, credit cards (Platinum Low Rate, Platinum Plus Rewards, World Rewards), home mortgages, and Private Banking services. Business banking encompasses checking, savings, commercial lending, agriculture, commercial real estate, treasury management, merchant services, and healthcare banking. The bank operates approximately 30 locations across eastern Nebraska, western Iowa, and Minneapolis-St. Paul area, having been acquired by Associated Banc-Corp for $604 million in April 2026.
Differentiator
Problem solved
Functional benefit
Brands
- ANB Go: Mobile and online banking platform for personal banking customers
- ANB Go Business
- eZCard
- ANB Card Controls
Products and services
- ANB Go
Companies that use American National Bank
Customer profileSegments6 records
Ideal customer profiles3 records
American National Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability2 records
Feature3 records
American National Bank partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Associated Banc-CorpcoreAssociated Banc-Corp completed acquisition of American National Corporation (including American National Bank) for $604 million on April 1, 2026. The merger aims to expand Associated's presence in Omaha and Twin Cities markets. Full system integration planned for Q3 2026. Wende Kotouc, former Executive Co-Chairperson and CEO of American National Bank, joined the Associated Board of Directors as part of the deal.
Scale indicators3 records
Recent moves7 records
Expansion highlights5 records
American National Bank competitors and assessment
Company assessmentBroad incumbents
- Old National Bancorp: Regional bank holding company headquartered in Evansville, Indiana, serving the Midwest and Mid-South. Comparable community-banking model, agricultural lending exposure, and commercial banking focus.
- First Interstate BancSystem: Community banking franchise headquartered in Montana with branches across the Midwest and West. Comparable size band and community-banking operating model with diversified consumer and commercial loan portfolio.
- Commerce Bancshares: Midwest-headquartered ($CBB) regional bank with full consumer, commercial, and wealth services across Missouri, Kansas, Illinois, and adjacent states. Comparable community-bank DNA at a larger scale.
- Wintrust Financial Corporation: Chicago-based regional bank holding company operating community-focused banks across the Midwest. Comparable relationship-banking franchise, broad commercial/consumer products, and Chicago/Midwest geographic overlap.
- UMB Financial Corporation: Kansas City-based diversified financial holding company offering consumer, commercial, and institutional banking plus asset management. Comparable Midwestern regional bank footprint and treasury/HSB capabilities.
Regional players
- Hancock Whitney Corporation: Regional financial services holding company serving the Gulf South and Texas. Comparable size band and community banking/treasury focus, though it operates in a different geographic region than ANB.
Direct peers
- Pinnacle Financial Partners: Mid-sized regional bank known for relationship-based community banking, comparable size and growth orientation. Similar GTM motion (local decision-makers, broad consumer/business product suite) and digital investments.
- Heartland Financial USA (HTLF): Multi-state community bank holding company with banks in the Midwest and Southwest. Highly comparable operating model (community banks with centralized back office), commercial and consumer mix, and similar size band.
- Great Western Bank: Community-focused regional bank with branches across Iowa, Nebraska, and surrounding Midwest states. Direct peer in geographic footprint, customer segments (consumer/agriculture/SMB), and product mix (deposits, lending, treasury).
- First National Bank of Omaha: Largest privately held bank in the United States, headquartered in Omaha, Nebraska. Directly comparable as a Midwest community/commercial bank competing in the same Omaha metro market with similar consumer and business banking products.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
American National Bank social profiles
Digital presenceAmerican National Bank compliance and trust
Trust signalCompliance5 records
American National Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
American National Bank leadership team
Management profileNumber of profiles
Profiles1 record
American National Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
American National Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about American National Bank
What does American National Bank do?
American National Bank is a regional bank offering personal and business banking products and services across eastern Nebraska, western Iowa, and the Minneapolis-St. Paul area. Its consumer line includes checking, savings, money market, CDs, credit cards, mortgages, HELOCs, and private banking, while its business line spans checking, treasury management, merchant services, commercial real estate, agricultural, small business, and specialty financing. The bank distributes through 30+ branch locations and digital channels including the ANB Go consumer mobile app, ANB Go Business treasury platform, and ANB Card Controls application.
Is American National Bank a public or private company?
American National Bank is a private company. It is classified as corporate owned and is currently operating.
When was American National Bank founded?
American National Bank was founded in 1856. It employs 501 to 1,000 people.
Where is American National Bank based?
American National Bank is headquartered in Omaha, United States, in the North America region.
How does American National Bank make money?
Four revenue lines are on record. Net Interest Income is the primary driver. The others are banking Fees and Service Charges, treasury and Business Services and credit Card Revenue.
Who are American National Bank's main competitors?
Broad incumbents on record are Old National Bancorp, First Interstate BancSystem, Commerce Bancshares, Wintrust Financial Corporation and UMB Financial Corporation. Hancock Whitney Corporation is listed as a regional player. Direct peers are Pinnacle Financial Partners, Heartland Financial USA (HTLF), Great Western Bank and First National Bank of Omaha.
Does American National Bank have an API?
No public API is recorded for American National Bank.
What industry is American National Bank in?
American National Bank's product category is Regional Retail and Commercial Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAAAB, Retail Lending (Personal Loans, Auto, Credit Lines). Its NAICS code is 52211 and its SIC code is 6022.