American National Bank Fox Cities
- Company typePrivate
- Founded1993
- HeadquartersAppleton, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What American National Bank Fox Cities does
American National Bank Fox Cities (ANB) is a privately-held community bank founded in 1993 in Appleton, Wisconsin, serving small to medium-sized businesses and individual consumers across Northeast Wisconsin. The bank operates from a headquarters branch at 2200 North Richmond Street in Appleton and a Loan Production Office in Green Bay at 300 N Broadway, with a workforce of 11–50 employees. As of the March 2026 acquisition announcement, ANB held approximately $419 million in total assets and $328 million in loans, reporting $5.7 million in net income for 2025.
The bank's product portfolio spans business banking (treasury management, five business checking account tiers, business savings, business loans, SBA Preferred Lender loans, specialized dental and manufacturing programs, business credit cards) and personal banking (checking including Kasasa Cash reward accounts, savings, mortgages, home equity lines of credit, IRAs, HSAs, consumer loans, and personal credit cards). The technology stack is described as standard community banking infrastructure—online banking platform, native iOS and Android mobile apps with mobile deposit, security tokens for business login, and Positive Pay fraud protection for treasury management. Cards are issued through Elan Financial Services, and mobile banking runs on the Mobiliti Business platform.
ANB's business model rests on net interest income from its $328M loan portfolio plus transaction and service fees from deposit accounts, treasury management, and card products. Revenue is sourced primarily from interest income on business loans, commercial mortgages, personal mortgages, and SBA loans, supplemented by service fees (monthly account fees when minimum balances are not met, per-transaction charges, wire fees, overdraft fees) and earnings credits on commercial accounts. The go-to-market is relationship-led and locally focused—100% local underwriting enables fast loan decisions, SBA Preferred Lender status supports flexible government-backed lending, and dedicated industry programs serve dental practices and manufacturers. The bank is FDIC-insured, an Equal Housing Lender, and NMLS-registered (#555904). In March 2026, Landmark Credit Union announced a definitive agreement to acquire ANB for approximately $419M in assets, with closing expected in the second half of 2026 pending regulatory and shareholder approvals; all ANB employees are to be offered continued employment under Landmark.
American National Bank Fox Cities firmographics
Firmographics- Name
- American National Bank Fox Cities
- Legal name
- American National Bank
- Website
- http://anbfc.bank
- Company type
- Private
- Founded year
- 1993
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Where American National Bank Fox Cities is headquartered
LocationHeadquarters
- HQ city
- Appleton
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
American National Bank Fox Cities business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Interest Income from Loans: The bank generates revenue primarily through interest income on its loan portfolio including business loans, commercial mortgages, personal mortgages, and SBA loans. The bank reported $328 million in loans as of the acquisition announcement.
- Banking Service Fees: Fees from various checking accounts, including monthly service fees when minimum balance requirements are not met, item fees per transaction beyond free allowance, wire transfer fees, and overdraft fees.
- Deposit-Based Interest Products: Interest-bearing accounts including Kasasa Cash checking (up to 3.00% APY), Money Market Savings, Certificates of Deposit, and IRA accounts that generate fee income while paying interest to depositors.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | American 100 Business Checking - No service fee with $1,000 minimum balance, 100 free debits |
| Subscription | Monthly | American 250 Business Checking - No service fee with $2,500 minimum balance, 250 free debits |
| Subscription | Monthly | American Business Checking - No minimum balance, earnings credit to offset service fee |
| Subscription | Monthly | Kasasa Cash Checking - Earn up to 3.00% APY on balances up to $15,000 |
| Subscription | Monthly | American Personal Checking - No monthly fees for full-time students under age 25 |
| Unit Pricing | Monthly | Certificates of Deposit - $500 minimum balance, terms from 5 months to 60 months |
| Subscription | Monthly | Money Market Savings - Tiered rates from 0.10% to 1.15% APY |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels5 records
American National Bank Fox Cities product offering
Product offeringCore offering
American National Bank Fox Cities is a community bank offering business banking (checking, savings, loans, SBA loans, treasury management, credit cards, and specialized programs for dental practices and manufacturers) and personal banking (checking, savings, mortgages, HELOC, IRAs, HSAs, consumer loans, and credit cards) to customers in Northeast Wisconsin. Services are delivered via two physical locations in Appleton and Green Bay, complemented by online and mobile banking channels with local underwriting and relationship-based advisory service.
Product overview
American National Bank Fox Cities is a community bank offering a unified banking platform with comprehensive business and consumer financial services. The core business banking suite includes Treasury Management (payables, receivables, fraud management), Business Checking (five account options), Business Savings, Business Loans, SBA Loans, and specialized programs for Dental Practices and Manufacturing. Online & Mobile Banking provides digital access across both segments. The personal banking division offers Personal Checking (including Kasasa Cash and Kasasa Cash Back reward accounts), Personal Savings, Mortgages, Home Equity Lines of Credit, Individual Retirement Accounts (Traditional, Roth, SEP, Simple), Health Savings Accounts, Consumer Loans, and credit cards. The product architecture functions as a single unified platform serving both business and retail customers with specialized industry programs.
Differentiator
Problem solved
Functional benefit
Products and services
- Business Checking
- Business Savings
- Business Loans
- SBA Loans
- Treasury Management
- Dental Practices Program
- Manufacturing Program
- Business Credit Cards
- Online & Mobile Banking
- Personal Checking
- Personal Savings
- Mortgages
- Individual Retirement Accounts (IRAs)
- Health Savings Accounts (HSAs)
- Consumer Loans
- Personal Credit Cards
Quantifiable outcome
- Fast loan approvals due to 100% local underwriting decisions
- +1 more outcomes
Companies that use American National Bank Fox Cities
Customer profileNamed customers15 records
Segments4 records
Ideal customer profiles4 records
American National Bank Fox Cities technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature3 records
American National Bank Fox Cities partnerships and signals
Strategic signalScale indicators5 records
Recent moves6 records
Expansion highlights5 records
American National Bank Fox Cities competitors and assessment
Company assessmentDirect peers
- Nicolet National Bank: Wisconsin-headquartered community bank with comparable SMB and commercial lending focus across the state. Directly competes with ANB in the Fox Cities and Green Bay markets for SMB deposits and loans.
- Bank First Corporation: Wisconsin community bank serving SMBs and consumers with local decision-making, similar size and operating model. Operates branches in Northeast Wisconsin and competes for the same customer segments as ANB.
- North Shore Bank: Wisconsin-based community bank offering business and personal banking products with a focus on local relationship banking. Overlaps with ANB in SMB deposit gathering and consumer mortgage lending.
- First Business Bank: Wisconsin-based commercial bank focused on SMB and middle-market businesses with treasury management and specialized lending programs. Comparable business model with vertical specialization similar to ANB's dental and manufacturing programs.
- WaterStone Bank: Wisconsin community bank offering commercial and consumer banking with comparable asset size and SMB focus. Overlaps with ANB in commercial lending, treasury management, and consumer deposit products.
Broad incumbents
- Associated Bank: Largest Wisconsin-based bank with statewide branch network offering commercial, retail, and wealth management. Competes with ANB for SMB and consumer relationships in the Fox Cities region as a much larger established player.
- BMO Harris Bank: Major regional bank with significant presence across Wisconsin including Appleton and Green Bay. Competes for SMB commercial banking and consumer relationships as a broad incumbent with a much larger product set.
- U.S. Bank: Major national bank with substantial Wisconsin presence offering commercial banking, SBA lending, and treasury management. Competes with ANB for larger SMB relationships and SBA-eligible borrowers.
- Wintrust Community Banks: Multi-state community banking platform that has grown via acquisition of smaller community banks. Comparable acquisition-led growth strategy and SMB/community banking focus, providing a relevant template for ANB-style community bank M&A.
Others
- Landmark Credit Union: Wisconsin credit union acquiring ANB in a pending deal expected to close H2 2026. Listed as the acquirer rather than a competitor, but operationally similar as a Wisconsin-based deposit-taking institution serving consumer and SMB markets.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
American National Bank Fox Cities social profiles
Digital presenceAmerican National Bank Fox Cities compliance and trust
Trust signalCompliance3 records
American National Bank Fox Cities financial estimates
Financial estimateRevenue estimate
Valuation estimate
American National Bank Fox Cities leadership team
Management profileNumber of profiles
Profiles12 records
American National Bank Fox Cities funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
American National Bank Fox Cities 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 Fox Cities
What does American National Bank Fox Cities do?
American National Bank Fox Cities is a community bank offering business banking (checking, savings, loans, SBA loans, treasury management, credit cards, and specialized programs for dental practices and manufacturers) and personal banking (checking, savings, mortgages, HELOC, IRAs, HSAs, consumer loans, and credit cards) to customers in Northeast Wisconsin. Services are delivered via two physical locations in Appleton and Green Bay, complemented by online and mobile banking channels with local underwriting and relationship-based advisory service.
Is American National Bank Fox Cities a public or private company?
American National Bank Fox Cities is a private company. It is classified as unknown and is currently operating.
When was American National Bank Fox Cities founded?
American National Bank Fox Cities was founded in 1993. It employs 11 to 50 people.
Where is American National Bank Fox Cities based?
American National Bank Fox Cities is headquartered in Appleton, United States, in the North America region.
How does American National Bank Fox Cities make money?
Three revenue lines are on record. Interest Income from Loans are the primary driver. The others are banking Service Fees and deposit-Based Interest Products.
Who are American National Bank Fox Cities's main competitors?
Direct peers on record are Nicolet National Bank, Bank First Corporation, North Shore Bank, First Business Bank and WaterStone Bank. Broad incumbents are Associated Bank, BMO Harris Bank, U.S. Bank and Wintrust Community Banks. Landmark Credit Union is listed as an others.
Does American National Bank Fox Cities have an API?
No public API is recorded for American National Bank Fox Cities.