American National Bank Mortgage Rates, Fees & Info

Omaha, NE

LEI: VEQ70DCTAI4TBBHPYI39

Tax ID: 47-0486526

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

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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 is a smaller bank specializing in Home Purchase loans. American National Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Omaha, Minneapolis, Lincoln, Phoenix, and Augusta among others. We have data for 28 markets. (Some data included below & more in-depth data is available with an active subscription.)

    American National Bank 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 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 5.38% 4/18/24
    30 Year Conventional Refi 6.95% 4/18/24
    30 Year Cash-out Refi 7.22% 4/18/24
    30 Year FHA Purchase 7.38% 4/18/24
    30 Year FHA Refi 7.35% 4/18/24
    30 Year VA Purchase 6.44% 4/18/24
    30 Year USDA Purchase 6.04% 4/18/24
    15 Year Conventional Purchase 6.33% 4/18/24
    15 Year Conventional Refi 6.59% 4/18/24
    15 Year Cash-out Refi 6.59% 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 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. 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

    747

    Origination Dollar Volume (All Markets)

    $132,865,000

    Employee count

    539 Show all (7) 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
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 553 $94,285,000 $170,497 $2,346 4.91%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 93 $22,275,000 $239,516 $2,186 5.40%
    Outside of Metro Areas 54 $6,350,000 $117,593 $2,053 4.99%
    LINCOLN, NE (FHA|USDA|VA) 15 $2,255,000 $150,333 $1,502 5.03%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 5 $1,085,000 $217,000 $4,487 4.55%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $665,000 $665,000 $14,233 4.63%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $645,000 $645,000 $3,749 5.00%
    Spirit Lake, IA (FHA|USDA|VA) 2 $520,000 $260,000 $2,633 4.44%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $455,000 $455,000 $4,962 4.50%
    Brainerd, MN (FHA|USDA|VA) 1 $435,000 $435,000 $3,341 4.75%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 3 $405,000 $135,000 $2,394 4.54%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $370,000 $185,000 $3,953 4.63%
    BILLINGS, MT (FHA|USDA|VA) 1 $305,000 $305,000 $5,870 5.38%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $305,000 $305,000 $4,141 4.38%
    MANKATO, MN (FHA|USDA|VA) 1 $245,000 $245,000 $233 5.60%
    Kearney, NE (FHA|USDA|VA) 1 $235,000 $235,000 $9,480 5.00%
    LUBBOCK, TX (FHA|USDA|VA) 1 $235,000 $235,000 $1,707 5.38%
    Beatrice, NE (FHA|USDA|VA) 1 $225,000 $225,000 $2,096 4.63%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $225,000 $225,000 $2,517 4.50%
    RALEIGH-CARY, NC (FHA|USDA|VA) 1 $215,000 $215,000 $2,636 4.75%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $185,000 $185,000 $2,201 4.75%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $175,000 $175,000 $5,498 4.88%
    COLUMBIA, SC (FHA|USDA|VA) 1 $165,000 $165,000 $6,053 4.50%
    Laramie, WY (FHA|USDA|VA) 1 $145,000 $145,000 $1,859 3.88%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $145,000 $145,000 $3,562 4.75%
    Hastings, NE (FHA|USDA|VA) 1 $125,000 $125,000 $2,456 4.75%
    Norfolk, NE (FHA|USDA|VA) 1 $115,000 $115,000 $2,011 4.75%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $75,000 $75,000 $577 7.24%
    American National Bank's top markets include Omaha, Minneapolis, Lincoln, Phoenix, and Augusta among others.

    Their top states include:
  • Nebraska (FHA|USDA|VA)
  • Iowa (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)

    • Similar Lenders

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

    U.S. HOME MORTGAGE, INC.
    Similarity Rank: 162
    CHARTER WEST BANK
    Similarity Rank: 246
    Washington County Bank
    Similarity Rank: 255
    Central National Bank
    Similarity Rank: 290
    MUTUAL FIRST
    Similarity Rank: 297
    First State Bank
    Similarity Rank: 312
    Cornerstone State Bank
    Similarity Rank: 408
    LIBERTY FIRST
    Similarity Rank: 450
    Cobalt Credit Union
    Similarity Rank: 465
    CORNHUSKER BANK
    Similarity Rank: 616

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 569 $106,015,000 $186,318 $1,669 5.06%
    FHA 123 $16,665,000 $135,488 $4,403 4.75%
    VA 51 $9,885,000 $193,824 $4,113 4.64%
    USDA 4 $300,000 $75,000 $2,726 4.69%

    For 2018, American National Bank's most frequently originated type of loan was Conventional, with 569 originations. Their 2nd most popular type was FHA, with 123 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 537 $105,525,000 $196,508 $2,745 4.74%
    Refi 75 $13,025,000 $173,667 $1,315 5.41%
    Home Improvement 53 $2,705,000 $51,038 $622 6.00%
    Cash Out Refi 46 $9,030,000 $196,304 $2,775 5.13%
    Other 36 $2,580,000 $71,667 $817 5.88%

    For 2018, American National Bank's most frequently cited loan purpose was Home Purchase, with 537 originations. The 2nd most popular reason was Refi, with 75 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 509 $98,695,000 $193,900 $2,862 4.87%
    15 Year 59 $7,065,000 $119,746 $1,901 5.48%
    10 Year 56 $7,420,000 $132,500 $350 4.20%
    Other 54 $11,890,000 $220,185 $1,176 5.56%
    5 Year 43 $3,685,000 $85,698 $375 5.59%
    20 Year 15 $2,745,000 $183,000 $1,473 5.12%
    1 Year 7 $1,245,000 $177,857 $1,958 5.25%
    3 Year 4 $120,000 $30,000 $233 5.77%

    For 2018, American National Bank's most frequently cited loan duration was 30 Year, with 509 originations. The 2nd most popular length was 15 Year, with 59 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 577 $95,475,000 $165,468
    $1k-2k 75 $11,965,000 $159,533
    $2k-3k 12 $2,280,000 $190,000
    $3k-4k 7 $2,165,000 $309,286
    $5k+ 3 $1,545,000 $515,000
    $4k-5k 1 $395,000 $395,000

    American National Bank's average total fees were $2,862, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 577 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 398 $84,930,000 $213,392
    5-6% 229 $36,945,000 $161,332
    6-7% 66 $4,980,000 $75,455
    3-4% 24 $5,500,000 $229,167
    <2.5% 19 $95,000 $5,000
    7-8% 10 $410,000 $41,000

    During 2018, American National Bank's average interest rate for loans was 4.87%, while their most frequently originated rate bucket for loans was 4-5%, with 398 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 291 $42,415,000 $145,756 $2,676 4.97%
    $100,000 or less 247 $12,925,000 $52,328 $1,378 5.13%
    $200k-400k 159 $43,755,000 $275,189 $2,970 4.78%
    $400k-600k 36 $16,450,000 $456,944 $3,268 4.95%
    $600k-1MM 9 $6,425,000 $713,889 $5,230 4.83%
    $1MM+ 5 $10,895,000 $2,179,000 $2,429 4.78%

    2018 saw American National Bank place emphasis on $100k-200k loans with 291 originations, totaling $42,415,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 188 $16,060,000 $85,426 $2,224 4.78%
    $50k-75k 167 $22,315,000 $133,623 $2,534 4.89%
    $100k-150k 124 $26,380,000 $212,742 $2,039 5.10%
    $75k-100k 101 $16,675,000 $165,099 $2,685 5.06%
    $150k-250k 74 $16,700,000 $225,676 $2,445 5.19%
    $250k+ 54 $20,290,000 $375,741 $2,227 5.04%

    American National Bank lent most frequently to those with incomes in the $50k or less range, with 188 originations. The second most popular income band? $50k-75k, with 167 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 150 $24,160,000 $161,067 $1,876 4.96%
    30-36% 135 $21,355,000 $158,185 $2,243 4.99%
    <20% 49 $6,685,000 $136,429 $1,299 4.70%
    50-60% 37 $6,005,000 $162,297 $4,307 4.86%
    44% 35 $5,745,000 $164,143 $2,657 4.92%
    40% 33 $6,305,000 $191,061 $2,282 5.27%
    42% 31 $5,145,000 $165,968 $2,567 4.95%
    46% 28 $5,500,000 $196,429 $2,220 5.13%
    41% 26 $4,210,000 $161,923 $2,641 5.25%
    38% 25 $4,025,000 $161,000 $2,893 4.94%
    49% 25 $4,015,000 $160,600 $2,612 4.75%
    47% 24 $5,100,000 $212,500 $2,624 4.87%
    43% 23 $5,305,000 $230,652 $3,662 4.49%
    39% 21 $3,595,000 $171,190 $1,889 5.21%
    45% 21 $4,285,000 $204,048 $2,554 4.79%
    37% 20 $3,150,000 $157,500 $2,291 4.89%
    48% 16 $2,460,000 $153,750 $2,453 4.93%
    36% 13 $1,995,000 $153,462 $1,938 5.18%
    >60% 2 $350,000 $175,000 $949 5.68%

    American National Bank lent most frequently to those with DTI ratios of 20-30%, with 150 originations. The next most common DTI ratio? 30-36%, with 135 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 645 $109,785,000 $170,209 $2,403 4.94%
    Not applicable 27 $12,635,000 $467,963 $0 5.32%
    Not provided 43 $5,685,000 $132,209 $2,040 5.42%
    Asian 14 $2,900,000 $207,143 $1,588 5.12%
    Black 10 $910,000 $91,000 $2,084 4.24%
    American Indian 7 $765,000 $109,286 $2,470 4.71%
    Native Hawaiian or Islander 1 $185,000 $185,000 $1,815 4.88%

    Approval Rates

    Total approvals of all applications
    90.96%

    American National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    80.05%

    American National Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 747 $132,865,000 $177,865

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 9 $8,945,000 $993,889
    Single Family (1-4 Units):Manufactured 3 $265,000 $88,333
    Single Family (1-4 Units):Site-Built 735 $123,655,000 $168,238

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 54 $5,660,000 $104,815 $1,227 5.62%
    40-60% 45 $10,575,000 $235,000 $1,983 5.21%
    60-80% 171 $38,925,000 $227,632 $2,078 5.02%
    80-100% 373 $71,955,000 $192,909 $3,066 4.86%
    Over 100% 5 $1,525,000 $305,000 $10,776 4.58%
    Under 20% 92 $3,500,000 $38,043 $292 4.85%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    AMERICAN FINANCING CORPORATION Conventional home mortgage Unable to get your credit report or credit score 1 50.0%
    AMERICAN FINANCING CORPORATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    American National Bank 101 Old Lincoln Highway Crescent, IA 51526 Full Service B&M $46,273
    American National Bank 1100 East Fourth Avenue Shakopee, MN 55379 Full Service B&M $45,585
    American National Bank 1155 Hadley Avenue North Oakdale, MN 55128 Full Service B&M $60,105
    American National Bank 1204 Locust Street Carter Lake, IA 51510 Full Service B&M $18,808
    American National Bank 12048 Giles Road La Vista, NE 68128 Full Service B&M $77,833
    American National Bank 13944 S Plaza Omaha, NE 68137 Full Service B&M $35,222
    American National Bank 1413 South Washington Street Papillion, NE 68046 Limited, Mobile/Seasonal Office $0
    American National Bank 1413 South Washington Street Papillion, NE 68046 Full Service B&M $71,069
    American National Bank 14545 West Center Road Omaha, NE 68144 Full Service B&M $88,885
    American National Bank 1600 West Broadway Council Bluffs, IA 51501 Full Service B&M $18,866
    American National Bank 1740 North Rice Street Maplewood, MN 55113 Full Service B&M $55,343
    American National Bank 1818 Harlan Street Falls City, NE 68355 Full Service B&M $14,726
    American National Bank 201 Bennett Avenue Council Bluffs, IA 51503 Full Service B&M $112,345
    American National Bank 20412 Veterans Drive Elkhorn, NE 68022 Full Service B&M $58,643
    American National Bank 20635 Highway 370 Gretna, NE 68028 Full Service B&M $46,477
    American National Bank 2650 West Broadway Council Bluffs, IA 51501 Full Service B&M $37,193
    American National Bank 2711 N.E. Highway 10 Mounds View, MN 55112 Full Service B&M $89,127
    American National Bank 3022 Willit Street Omaha, NE 68112 Full Service B&M $76,084
    American National Bank 304 West Erie Street Missouri Valley, IA 51555 Full Service B&M $49,413
    American National Bank 310 Broadway Tecumseh, NE 68450 Full Service B&M $35,535
    American National Bank 3147 Ames Avenue Omaha, NE 68111 Full Service B&M $98,854
    American National Bank 333 West Broadway Council Bluffs, IA 51503 Full Service B&M $226,970
    American National Bank 363 Main Street Elk Creek, NE 68348 Full Service B&M $5,542
    American National Bank 3707 N 144th St Omaha, NE 68116 Full Service B&M $109,316
    American National Bank 3801 Vermaas Place Lincoln, NE 68502 Full Service B&M $41,672
    American National Bank 4400 W 78th St Ste 100 Bloomington, MN 55435 Full Service B&M $76,182
    American National Bank 4521 Leavenworth St Suite 6 Omaha, NE 68106 Full Service Retail $81,980
    American National Bank 600 Fifth Street Fairbury, NE 68352 Full Service B&M $38,461
    American National Bank 663 University Avenue Saint Paul, MN 55104 Full Service B&M $127,399
    American National Bank 707 4th Street Humboldt, NE 68376 Full Service B&M $26,482
    American National Bank 7921 Dodge Street Omaha, NE 68114 Full Service B&M $48,801
    American National Bank 8004 South 84th Street La Vista, NE 68128 Full Service B&M $38,602
    American National Bank 805 Galvin Road South Bellevue, NE 68005 Full Service B&M $65,759
    American National Bank 8155 L Street Ralston, NE 68127 Full Service B&M $54,981
    American National Bank 8990 West Dodge Road Omaha, NE 68114 Limited, Mobile/Seasonal Office $0
    American National Bank 8990 West Dodge Road Omaha, NE 68114 Full Service B&M $466,910
    American National Bank 9009 Maple Street Omaha, NE 68134 Full Service B&M $43,659
    American National Bank 903 Washington Avenue South Minneapolis, MN 55415 Full Service B&M $159,374
    American National Bank 920 Central Avenue Nebraska City, NE 68410 Full Service B&M $35,876

    For 2018, American National Bank had 39 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $156,302
    Net interest income $129,013
    Total noninterest income $18,198
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $6,083
    Trading account gains and fees $0
    Additional Noninterest Income $12,115
    Pre-tax net operating income $55,180
    Securities gains (or losses, -) $-48
    Income before extraordinary items $53,714
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $53,714
    Minority interest net income $0
    Net income $53,714
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $53,760

    American National Bank's gross interest income from loans was $156,302,000.
    American National Bank's net interest income from loans was $129,013,000.
    American National Bank's fee based income from loans was $6,083,000.
    American National Bank's net income from loans was $53,714,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $27,289
    Provision for credit losses $9,500
    Total noninterest expense $82,531
    Salaries and employee benefits $52,618
    Premises and equipment expense $9,402
    Additional noninterest expense $20,511
    Applicable income taxes $1,418
    Net charge-offs $1,622
    Cash dividends $23,374

    American National Bank's interest expense for loans was $27,289,000.
    American National Bank's payroll and benefits expense were $52,618,000.
    American National Bank's property, plant and equipment expenses $9,402,000.

    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 4.3%
    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 $2,958,496
    Deposits held in domestic offices $2,958,496
    Deposits by Individuals, partnerships, and corporations $2,596,727
    Deposits by U.S. Government $34
    Deposits by States and political subdivisions in the U.S. $270,544
    Deposits by Commercial banks and other depository institutions in U.S. $91,191
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $357,453
    Demand deposits $311,216
    Nontransaction accounts $2,601,043
    Money market deposit accounts (MMDAs) $804,543
    Other savings deposits (excluding MMDAs) $1,425,525
    Total time deposits $370,975
    Total time and savings deposits $2,647,280
    Noninterest-bearing deposits $762,031
    Interest-bearing deposits $2,196,465
    Retail deposits $2,653,347
    IRAs and Keogh plan accounts $96,099
    Brokered deposits $226,820
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,715,868
    Cash & Balances due from depository institutions $75,339
    Interest-bearing balances $7,596
    Total securities $616,936
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,888,210
    Loan and leases loss allowance $37,847
    Trading account assets $0
    Bank premises and fixed assets $34,947
    Other real estate owned $350
    Goodwill and other intangibles $32,818
    All other assets $67,268

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,715,868
    Total Liabilities $3,351,866
    Total deposits $2,958,496
    Interest-bearing deposits $2,196,465
    Deposits held in domestic offices $2,958,496
    % insured (estimated) $53
    Federal funds purchased and repurchase agreements $43,514
    Trading liabilities $0
    Other borrowed funds $326,655
    Subordinated debt $0
    All other liabilities $23,201

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,888,210
    Loan and leases loss allowance $37,847
    Total loans and leases (domestic) $2,926,057
    All real estate loans $1,630,320
    Real estate loans in domestic offices $1,630,320
    Construction and development loans $245,040
    Residential 1-4 family construction $37,829
    Other construction, all land development and other land $207,211
    Loans secured by nonfarm nonresidential properties $825,749
    Nonfarm nonresidential secured by owner-occupied properties $388,623
    Commercial real estate & other non-farm, non-residential $437,126
    Multifamily residential real estate $181,935
    1-4 family residential loans $326,584
    Farmland loans $51,012
    Loans held in foreign offices $0
    Farm loans $39,131
    Commercial and industrial loans $531,689
    To non-U.S. addressees $0
    Loans to individuals $705,649
    Credit card loans $5,247
    Related Plans $10,228
    Consumer Auto Loans $655,484
    Other loans to individuals $34,690
    All other loans & leases $19,268
    Loans to foreign governments and official institutions $0
    Other loans $3,952
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $9,787
    Non 1-4 family restructured loans & leases $8,352
    Total loans and leases (foreign) $0

    American National Bank had $2,888,210,000 of loans outstanding in 2018. $1,630,320,000 of loans were in real estate loans. $245,040,000 of loans were in development loans. $181,935,000 of loans were in multifamily mortgage loans. $326,584,000 of loans were in 1-4 family mortgage loans. $39,131,000 of loans were in farm loans. $5,247,000 of loans were in credit card loans. $655,484,000 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 589 $138,429 $235,024
    Nonfarm, nonresidential loans - <$100k 115 $2,441 $21,226
    Nonfarm, nonresidential loans - $100-250k 187 $24,386 $130,406
    Nonfarm, nonresidential loans - $250k-1MM 287 $111,602 $388,857
    Commercial & Industrial, US addressed loans - <$1MM 1,929 $263,620 $136,661
    Commercial & Industrial, US addressed loans - <$100k 800 $24,835 $31,044
    Commercial & Industrial, US addressed loans - $100-250k 535 $50,694 $94,755
    Commercial & Industrial, US addressed loans - $250k-1MM 594 $188,091 $316,652
    Farmland loans - <$1MM 207 $28,793 $139,097
    Farmland loans - <$100k 67 $2,651 $39,567
    Farmland loans - $100-250k 78 $9,627 $123,423
    Farmland loans - $250k-1MM 62 $16,515 $266,371
    Agriculture operations loans - <$1MM 325 $24,480 $75,323
    Agriculture operations loans - <$100k 220 $6,255 $28,432
    Agriculture operations loans - $100-250k 67 $8,566 $127,851
    Agriculture operations loans - $250k-1MM 38 $9,659 $254,184