American National Bank And Trust Company Mortgage Rates, Fees & Info

Danville, VA

LEI: 549300HGXROE7ZUGMP55

Tax ID: 54-0121975

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    American National Bank And Trust Company is a smaller bank specializing in Home Purchase and Refi loans. American National Bank And Trust Company has a high proportion of conventional loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Roanoke, Greensboro, Burlington, Charlotte, and Lynchburg among others. We have data for 27 markets. (Some data included below & more in-depth data is available with an active subscription.)

    American National Bank And Trust Company has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. American National Bank And Trust Company is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 4/18/24
    30 Year Conventional Purchase 6.49% 4/18/24
    30 Year Conventional Refi 6.45% 4/18/24
    30 Year Cash-out Refi 6.64% 4/18/24
    30 Year FHA Purchase 7.21% 4/18/24
    30 Year FHA Refi 6.27% 4/18/24
    30 Year VA Purchase 6.33% 4/18/24
    30 Year USDA Purchase 6.51% 4/18/24
    15 Year Conventional Purchase 6.39% 4/18/24
    15 Year Conventional Refi 6.29% 4/18/24
    15 Year Cash-out Refi 6.29% 4/18/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    American National Bank And Trust Company Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from American National Bank And Trust Company. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    812

    Origination Dollar Volume (All Markets)

    $213,030,000

    Employee count

    355 Show all (9) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    ROANOKE, VA (FHA|USDA|VA) 207 $34,945,000 $168,816 $3,700 4.73%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 85 $34,315,000 $403,706 $4,945 5.09%
    BURLINGTON, NC (FHA|USDA|VA) 79 $30,935,000 $391,582 $2,870 4.86%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 9 $29,125,000 $3,236,111 $3,966 4.98%
    LYNCHBURG, VA (FHA|USDA|VA) 71 $13,375,000 $188,380 $4,390 4.83%
    Danville, VA (FHA|USDA|VA) 132 $13,180,000 $99,848 $3,520 4.87%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 34 $13,110,000 $385,588 $3,581 4.39%
    Martinsville, VA (FHA|USDA|VA) 50 $9,920,000 $198,400 $3,469 5.05%
    Outside of Metro Areas 65 $8,885,000 $136,692 $3,012 4.78%
    WINSTON-SALEM, NC (FHA|USDA|VA) 28 $7,570,000 $270,357 $4,956 4.78%
    Kill Devil Hills, NC (FHA|USDA|VA) 3 $4,515,000 $1,505,000 $3,352 3.64%
    RALEIGH-CARY, NC (FHA|USDA|VA) 14 $3,940,000 $281,429 $4,132 3.89%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 3 $1,755,000 $585,000 $0 4.67%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 6 $1,560,000 $260,000 $7,162 4.57%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 7 $1,205,000 $172,143 $4,541 4.48%
    Boone, NC (FHA|USDA|VA) 2 $890,000 $445,000 $8,253 3.94%
    WILMINGTON, NC (FHA|USDA|VA) 4 $790,000 $197,500 $2,878 4.78%
    NEW BERN, NC (FHA|USDA|VA) 2 $610,000 $305,000 $0 5.25%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 2 $480,000 $240,000 $3,334 4.44%
    RICHMOND, VA (FHA|USDA|VA) 2 $420,000 $210,000 $3,457 4.08%
    Wilson, NC (FHA|USDA|VA) 1 $305,000 $305,000 $0 5.25%
    Georgetown, SC (FHA|USDA|VA) 1 $295,000 $295,000 $1,864 4.13%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $285,000 $285,000 $0 4.25%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $235,000 $235,000 $4,130 3.50%
    ASHEVILLE, NC (FHA|USDA|VA) 1 $185,000 $185,000 $2,893 3.88%
    Bluefield, WV-VA (FHA|USDA|VA) 1 $145,000 $145,000 $4,165 3.25%
    Morehead City, NC (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.50%
    American National Bank And Trust Company's top markets include Roanoke, Greensboro, Burlington, Charlotte, and Lynchburg among others.

    Their top states include:
  • North Carolina (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • District of Columbia (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against American National Bank and Trust Company based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Virginia Credit Union, Inc.
    Similarity Rank: 320
    Piedmont Federal Savings Bank
    Similarity Rank: 440
    MEMBER ONE
    Similarity Rank: 500
    FREEDOM FIRST
    Similarity Rank: 504
    DUKE UNIVERSITY FEDERAL CREDIT UNION
    Similarity Rank: 519
    PROPONENT Federal Credit Union
    Similarity Rank: 810
    Southern First Bank
    Similarity Rank: 1008
    MORTGAGE FINANCIAL GROUP, INC.
    Similarity Rank: 1416
    American National Bank and Trust Company
    Similarity Rank: 1863
    Third Federal Savings and Loan Association of Cleveland
    Similarity Rank: 2088

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 417 $164,135,000 $393,609 $3,161 4.84%
    HELOC 305 $34,245,000 $112,279 n/a 5.03%
    USDA 34 $4,370,000 $128,529 $4,083 3.77%
    FHA 29 $4,555,000 $157,069 $5,408 3.89%
    VA 27 $5,725,000 $212,037 $4,339 3.73%

    For 2019, American National Bank And Trust Company's most frequently originated type of loan was Conventional, with 417 originations. Their 2nd most popular type was HELOC, with 305 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 367 $115,625,000 $315,054 $3,975 4.71%
    Refi 262 $75,440,000 $287,939 $3,226 4.81%
    Other 101 $11,735,000 $116,188 $0 5.04%
    Home Improvement 48 $4,420,000 $92,083 $0 5.10%
    Cash Out Refi 34 $5,810,000 $170,882 $3,230 4.44%

    For 2019, American National Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 367 originations. The 2nd most popular reason was Refi, with 262 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    10 Year 314 $36,760,000 $117,070 $2,279 5.00%
    5 Year 219 $78,595,000 $358,881 $888 5.14%
    30 Year 191 $39,125,000 $204,843 $3,916 4.07%
    Other 30 $42,440,000 $1,414,667 $0 4.80%
    1 Year 24 $4,080,000 $170,000 $0 5.58%
    15 Year 24 $3,180,000 $132,500 $2,651 4.36%
    20 Year 8 $8,690,000 $1,086,250 $3,179 4.11%
    3 Year 2 $160,000 $80,000 $0 4.50%

    For 2019, American National Bank And Trust Company's most frequently cited loan duration was 10 Year, with 314 originations. The 2nd most popular length was 5 Year, with 219 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 155 $28,315,000 $182,677
    $1k-2k 15 $2,225,000 $148,333
    $2k-3k 11 $2,825,000 $256,818
    $3k-4k 7 $2,355,000 $336,429
    $4k-5k 1 $345,000 $345,000
    $5k+ 1 $485,000 $485,000

    American National Bank And Trust Company's average total fees were $3,916, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 155 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 344 $42,840,000 $124,535
    4-5% 243 $68,355,000 $281,296
    3-4% 200 $99,990,000 $499,950
    6-7% 23 $1,405,000 $61,087
    2.5-3% 2 $440,000 $220,000

    During 2019, American National Bank And Trust Company's average interest rate for loans was 4.07%, while their most frequently originated rate bucket for loans was 5-6%, with 344 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 336 $18,750,000 $55,804 $2,672 5.16%
    $100k-200k 263 $36,435,000 $138,536 $3,597 4.62%
    $200k-400k 158 $41,640,000 $263,544 $4,110 4.46%
    $400k-600k 27 $12,665,000 $469,074 $5,256 4.52%
    $1MM+ 16 $95,110,000 $5,944,375 $0 3.95%
    $600k-1MM 12 $8,430,000 $702,500 $4,530 4.94%

    2019 saw American National Bank And Trust Company place emphasis on $100,000 or less loans with 336 originations, totaling $18,750,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 137 $11,165,000 $81,496 $3,514 4.79%
    $50k-75k 110 $13,840,000 $125,818 $4,177 4.55%
    $100k-150k 109 $16,685,000 $153,073 $4,169 4.75%
    $75k-100k 92 $11,830,000 $128,587 $3,430 4.71%
    $150k-250k 80 $18,320,000 $229,000 $3,493 4.74%
    $250k+ 51 $11,915,000 $233,627 $3,475 4.77%

    American National Bank And Trust Company lent most frequently to those with incomes in the $50k or less range, with 137 originations. The second most popular income band? $50k-75k, with 110 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 146 $19,090,000 $130,753 $3,546 4.61%
    <20% 111 $14,135,000 $127,342 $3,229 4.78%
    30-36% 94 $13,410,000 $142,660 $3,612 4.61%
    39% 30 $4,140,000 $138,000 $3,427 4.57%
    41% 23 $3,245,000 $141,087 $3,393 4.41%
    42% 21 $3,915,000 $186,429 $4,577 4.73%
    40% 20 $4,100,000 $205,000 $4,408 4.57%
    36% 16 $2,410,000 $150,625 $6,521 4.82%
    37% 14 $2,230,000 $159,286 $3,390 4.44%
    43% 11 $1,815,000 $165,000 $3,398 4.67%
    45% 10 $1,640,000 $164,000 $4,705 4.72%
    50-60% 9 $795,000 $88,333 $1,566 5.16%
    38% 8 $900,000 $112,500 $3,168 4.79%
    44% 7 $1,925,000 $275,000 $6,520 4.75%
    >60% 5 $355,000 $71,000 $0 5.03%
    46% 3 $705,000 $235,000 $9,964 4.13%
    47% 3 $255,000 $85,000 $2,753 4.72%
    48% 2 $310,000 $155,000 $0 4.58%
    49% 2 $1,480,000 $740,000 $0 5.56%

    American National Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 146 originations. The next most common DTI ratio? <20%, with 111 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 204 $122,830,000 $602,108 $0 5.05%
    White 522 $77,170,000 $147,835 $3,701 4.70%
    Not provided 59 $9,275,000 $157,203 $3,907 4.65%
    Asian 9 $1,865,000 $207,222 $4,873 5.09%
    Black 16 $1,790,000 $111,875 $3,721 4.86%
    Other Pacific Islander 1 $55,000 $55,000 $0 5.50%
    Vietnamese 1 $45,000 $45,000 $0 5.75%

    Approval Rates

    Total approvals of all applications
    90.29%

    American National Bank And Trust Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    88.18%

    American National Bank And Trust Company has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 812 $213,030,000 $262,352

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $225,000 $225,000
    Multifamily:Site-Built 40 $99,130,000 $2,478,250
    Single Family (1-4 Units):Manufactured 21 $1,745,000 $83,095
    Single Family (1-4 Units):Site-Built 750 $111,930,000 $149,240

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 136 $15,260,000 $112,206 $2,935 4.91%
    40-60% 105 $27,985,000 $266,524 $3,384 4.80%
    60-80% 252 $121,860,000 $483,571 $3,400 4.90%
    80-100% 219 $36,655,000 $167,374 $3,927 4.50%
    Over 100% 6 $1,430,000 $238,333 $7,991 3.88%
    Under 20% 91 $9,305,000 $102,253 $1,339 5.15%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    AMERICAN EXPRESS COMPANY Conventional home mortgage Struggling to pay mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    American National Bank and Trust Company 1008 Mebane Oaks Road Mebane, NC 27302 Full Service B&M $28,047
    American National Bank and Trust Company 109 North Main Street Gretna, VA 24557 Full Service B&M $40,125
    American National Bank and Trust Company 110 Oakwood Drive Winston Salem, NC 27103 Full Service B&M $15,411
    American National Bank and Trust Company 12930 Booker T. Washington Highway Hardy, VA 24101 Full Service B&M $67,431
    American National Bank and Trust Company 13880 U.S. Highway 29 Chatham, VA 24531 Full Service B&M $46,297
    American National Bank and Trust Company 1407 South Boston Road Danville, VA 24540 Full Service B&M $25,726
    American National Bank and Trust Company 1646 Graves Mill Road Lynchburg, VA 24502 Full Service B&M $32,227
    American National Bank and Trust Company 173 Main Street Yanceyville, NC 27379 Full Service B&M $23,357
    American National Bank and Trust Company 202 South Jefferson Street Roanoke, VA 24011 Full Service B&M $119,294
    American National Bank and Trust Company 20479 Timberlake Road Lynchburg, VA 24502 Full Service B&M $22,231
    American National Bank and Trust Company 207 North Bridge Street Bedford, VA 24523 Full Service B&M $26,772
    American National Bank and Trust Company 2214 North Church Street Burlington, NC 27217 Full Service B&M $38,168
    American National Bank and Trust Company 239 Nor-Dan Drive Danville, VA 24540 Full Service B&M $37,741
    American National Bank and Trust Company 25 Southlake Drive Union Hall, VA 24176 Full Service B&M $52,550
    American National Bank and Trust Company 2950 Market Street Christiansburg, VA 24073 Full Service B&M $105,726
    American National Bank and Trust Company 3101 South Church Street Burlington, NC 27215 Full Service B&M $165,880
    American National Bank and Trust Company 3521 Franklin Road Sw Roanoke, VA 24014 Full Service B&M $68,571
    American National Bank and Trust Company 3609 Old Halifax Road South Boston, VA 24592 Full Service B&M $59,272
    American National Bank and Trust Company 3810 Greensboro Road Ridgeway, VA 24148 Full Service B&M $52,795
    American National Bank and Trust Company 400 Old Franklin Turnpike, Suite 100 Rocky Mount, VA 24151 Full Service B&M $67,900
    American National Bank and Trust Company 4225 Colonial Avenue Roanoke, VA 24018 Full Service B&M $159,092
    American National Bank and Trust Company 445 Mount Cross Road Danville, VA 24540 Full Service B&M $49,061
    American National Bank and Trust Company 5509 A West Friendly Avenue, Suite 102 Greensboro, NC 27410 Full Service B&M $31,878
    American National Bank and Trust Company 628 Main Street Danville, VA 24541 Full Service B&M $368,320
    American National Bank and Trust Company 703 Green Valley Road, Suite 101 Greensboro, NC 27408 Full Service Retail $135,805
    American National Bank and Trust Company 842 South Main Street Graham, NC 27253 Full Service B&M $48,850
    American National Bank and Trust Company 852 West Main Street Salem, VA 24153 Full Service B&M $40,919
    American National Bank and Trust Company 900 Liberty St Martinsville, VA 24112 Full Service B&M $72,336

    For 2019, American National Bank And Trust Company had 28 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $92,405
    Net interest income $78,602
    Total noninterest income $14,576
    Gross Fiduciary activities income $3,847
    Service charges on deposit accounts $2,866
    Trading account gains and fees $0
    Additional Noninterest Income $7,863
    Pre-tax net operating income $28,902
    Securities gains (or losses, -) $274
    Income before extraordinary items $23,714
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $23,714
    Minority interest net income $0
    Net income $23,714
    Sale, conversion, retirement of capital stock, net $1,542
    Net operating income $23,492

    American National Bank And Trust Company's gross interest income from loans was $92,405,000.
    American National Bank And Trust Company's net interest income from loans was $78,602,000.
    American National Bank And Trust Company's fee based income from loans was $2,866,000.
    American National Bank And Trust Company's net income from loans was $23,714,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $13,803
    Provision for credit losses $456
    Total noninterest expense $63,820
    Salaries and employee benefits $29,615
    Premises and equipment expense $5,417
    Additional noninterest expense $28,788
    Applicable income taxes $5,462
    Net charge-offs $109
    Cash dividends $25,000

    American National Bank And Trust Company's interest expense for loans was $13,803,000.
    American National Bank And Trust Company's payroll and benefits expense were $29,615,000.
    American National Bank And Trust Company's property, plant and equipment expenses $5,417,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,068,224
    Deposits held in domestic offices $2,068,224
    Deposits by Individuals, partnerships, and corporations $1,803,101
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $262,313
    Deposits by Commercial banks and other depository institutions in U.S. $2,810
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $298,395
    Demand deposits $242,085
    Nontransaction accounts $1,769,829
    Money market deposit accounts (MMDAs) $1,120,554
    Other savings deposits (excluding MMDAs) $177,505
    Total time deposits $471,770
    Total time and savings deposits $1,826,139
    Noninterest-bearing deposits $586,283
    Interest-bearing deposits $1,481,941
    Retail deposits $1,870,840
    IRAs and Keogh plan accounts $50,312
    Brokered deposits $422
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,464,860
    Cash & Balances due from depository institutions $76,132
    Interest-bearing balances $43,627
    Total securities $370,512
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,819,690
    Loan and leases loss allowance $13,152
    Trading account assets $0
    Bank premises and fixed assets $45,188
    Other real estate owned $1,308
    Goodwill and other intangibles $91,730
    All other assets $60,300

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,464,860
    Total Liabilities $2,127,760
    Total deposits $2,068,224
    Interest-bearing deposits $1,481,941
    Deposits held in domestic offices $2,068,224
    % insured (estimated) $62
    Federal funds purchased and repurchase agreements $40,475
    Trading liabilities $0
    Other borrowed funds $5,369
    Subordinated debt $0
    All other liabilities $13,692

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,819,690
    Loan and leases loss allowance $13,152
    Total loans and leases (domestic) $1,832,842
    All real estate loans $1,482,884
    Real estate loans in domestic offices $1,482,884
    Construction and development loans $137,920
    Residential 1-4 family construction $12,586
    Other construction, all land development and other land $125,334
    Loans secured by nonfarm nonresidential properties $750,522
    Nonfarm nonresidential secured by owner-occupied properties $348,372
    Commercial real estate & other non-farm, non-residential $402,150
    Multifamily residential real estate $136,058
    1-4 family residential loans $445,765
    Farmland loans $12,619
    Loans held in foreign offices $0
    Farm loans $2,469
    Commercial and industrial loans $270,161
    To non-U.S. addressees $0
    Loans to individuals $10,747
    Credit card loans $274
    Related Plans $525
    Consumer Auto Loans $2,661
    Other loans to individuals $7,287
    All other loans & leases $66,581
    Loans to foreign governments and official institutions $0
    Other loans $21,606
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $6,490
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $968
    Non 1-4 family restructured loans & leases $276
    Total loans and leases (foreign) $0

    American National Bank and Trust Company had $1,819,690,000 of loans outstanding in 2019. $1,482,884,000 of loans were in real estate loans. $137,920,000 of loans were in development loans. $136,058,000 of loans were in multifamily mortgage loans. $445,765,000 of loans were in 1-4 family mortgage loans. $2,469,000 of loans were in farm loans. $274,000 of loans were in credit card loans. $2,661,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 906 $242,092 $267,210
    Nonfarm, nonresidential loans - <$100k 138 $6,443 $46,688
    Nonfarm, nonresidential loans - $100-250k 298 $38,923 $130,614
    Nonfarm, nonresidential loans - $250k-1MM 470 $196,726 $418,566
    Commercial & Industrial, US addressed loans - <$1MM 1,338 $104,760 $78,296
    Commercial & Industrial, US addressed loans - <$100k 813 $17,920 $22,042
    Commercial & Industrial, US addressed loans - $100-250k 269 $21,275 $79,089
    Commercial & Industrial, US addressed loans - $250k-1MM 256 $65,565 $256,113
    Farmland loans - <$1MM 17 $1,745 $102,647
    Farmland loans - <$100k 10 $458 $45,800
    Farmland loans - $100-250k 5 $582 $116,400
    Farmland loans - $250k-1MM 2 $705 $352,500
    Agriculture operations loans - <$1MM 40 $1,634 $40,850
    Agriculture operations loans - <$100k 34 $702 $20,647
    Agriculture operations loans - $100-250k 3 $446 $148,667
    Agriculture operations loans - $250k-1MM 3 $486 $162,000