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, Kansas City, and Fremont 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 has an 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.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 11/21/24
    30 Year Conventional Purchase 5.38% 11/21/24
    30 Year Conventional Refi 6.95% 11/21/24
    30 Year Cash-out Refi 7.22% 11/21/24
    30 Year FHA Purchase 7.38% 11/21/24
    30 Year FHA Refi 7.35% 11/21/24
    30 Year VA Purchase 6.44% 11/21/24
    30 Year USDA Purchase 6.04% 11/21/24
    15 Year Conventional Purchase 6.33% 11/21/24
    15 Year Conventional Refi 6.59% 11/21/24
    15 Year Cash-out Refi 6.59% 11/21/24
    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

    865

    Origination Dollar Volume (All Markets)

    $176,785,000

    Employee count

    519 Show all (6) 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) 695 $130,925,000 $188,381 $2,481 4.20%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 75 $28,455,000 $379,400 $2,106 5.32%
    Outside of Metro Areas 46 $5,080,000 $110,435 $2,580 4.18%
    LINCOLN, NE (FHA|USDA|VA) 14 $2,420,000 $172,857 $3,226 4.41%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 4 $1,290,000 $322,500 $2,325 4.84%
    Fremont, NE (FHA|USDA|VA) 6 $1,200,000 $200,000 $1,511 4.15%
    DULUTH, MN-WI (FHA|USDA|VA) 1 $935,000 $935,000 $0 4.50%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 3 $635,000 $211,667 $2,804 4.25%
    Spirit Lake, IA (FHA|USDA|VA) 3 $585,000 $195,000 $3,025 3.88%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $465,000 $465,000 $0 4.98%
    CORVALLIS, OR (FHA|USDA|VA) 1 $455,000 $455,000 $3,493 3.50%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $445,000 $445,000 $3,656 4.00%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $425,000 $425,000 $3,070 3.88%
    Heber, UT (FHA|USDA|VA) 1 $405,000 $405,000 $3,364 4.38%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $385,000 $385,000 $4,632 4.13%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $365,000 $365,000 $0 4.00%
    GREELEY, CO (FHA|USDA|VA) 1 $335,000 $335,000 $2,518 4.75%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $315,000 $315,000 $7,546 4.63%
    Norfolk, NE (FHA|USDA|VA) 1 $275,000 $275,000 $2,140 4.75%
    Hastings, NE (FHA|USDA|VA) 1 $245,000 $245,000 $3,148 3.75%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $245,000 $245,000 $4,696 3.99%
    IOWA CITY, IA (FHA|USDA|VA) 1 $225,000 $225,000 $2,260 4.88%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $195,000 $195,000 $3,995 4.00%
    GRAND ISLAND, NE (FHA|USDA|VA) 1 $155,000 $155,000 $7,571 3.63%
    Cedar City, UT (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.88%
    MANHATTAN, KS (FHA|USDA|VA) 1 $125,000 $125,000 $2,474 4.38%
    Beatrice, NE (FHA|USDA|VA) 1 $55,000 $55,000 $2,117 4.88%
    American National Bank's top markets include Omaha, Minneapolis, Lincoln, Kansas City, and Fremont among others.

    Their top states include:
  • Nebraska (FHA|USDA|VA)
  • Iowa (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Kansas (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: 110
    MUTUAL FIRST
    Similarity Rank: 276
    LIBERTY FIRST
    Similarity Rank: 351
    Central National Bank
    Similarity Rank: 363
    Cobalt Credit Union
    Similarity Rank: 582
    CORNHUSKER BANK
    Similarity Rank: 615
    CHARTER WEST BANK
    Similarity Rank: 644
    CENTRIS FEDERAL CREDIT UNION
    Similarity Rank: 774
    ST. CLOUD FINANCIAL
    Similarity Rank: 978
    South Metro Federal Credit Union
    Similarity Rank: 1088

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 673 $140,325,000 $208,507 $1,748 4.39%
    FHA 119 $18,145,000 $152,479 $4,980 4.11%
    VA 66 $17,540,000 $265,758 $4,640 3.81%
    USDA 7 $775,000 $110,714 $3,203 4.00%

    For 2019, American National Bank's most frequently originated type of loan was Conventional, with 673 originations. Their 2nd most popular type was FHA, with 119 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 642 $138,020,000 $214,984 $2,778 4.08%
    Refi 99 $23,985,000 $242,273 $1,734 4.69%
    Cash Out Refi 62 $10,290,000 $165,968 $2,757 4.57%
    Home Improvement 35 $3,585,000 $102,429 $547 5.58%
    Other 27 $905,000 $33,519 $500 6.00%

    For 2019, American National Bank's most frequently cited loan purpose was Home Purchase, with 642 originations. The 2nd most popular reason was Refi, with 99 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 643 $125,635,000 $195,389 $2,857 4.13%
    10 Year 62 $11,320,000 $182,581 $363 3.66%
    15 Year 55 $6,725,000 $122,273 $1,429 4.89%
    Other 47 $18,465,000 $392,872 $2,016 5.56%
    5 Year 30 $9,170,000 $305,667 $264 5.54%
    20 Year 16 $2,800,000 $175,000 $1,887 5.15%
    1 Year 9 $1,495,000 $166,111 $138 5.94%
    3 Year 2 $1,170,000 $585,000 $0 4.75%
    30+ year 1 $5,000 $5,000 $0 0.00%

    For 2019, American National Bank's most frequently cited loan duration was 30 Year, with 643 originations. The 2nd most popular length was 10 Year, with 62 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 628 $111,700,000 $177,866
    $1k-2k 127 $19,745,000 $155,472
    $2k-3k 16 $3,730,000 $233,125
    $3k-4k 6 $1,290,000 $215,000
    $5k+ 5 $3,635,000 $727,000
    $4k-5k 1 $225,000 $225,000

    American National Bank's average total fees were $2,857, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 628 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 317 $68,095,000 $214,811
    3-4% 301 $65,315,000 $216,993
    5-6% 146 $37,860,000 $259,315
    <2.5% 51 $305,000 $5,980
    6-7% 46 $5,040,000 $109,565
    7-8% 3 $75,000 $25,000
    Over 8% 1 $95,000 $95,000

    During 2019, American National Bank's average interest rate for loans was 4.13%, while their most frequently originated rate bucket for loans was 4-5%, with 317 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 311 $45,805,000 $147,283 $2,906 4.41%
    $100,000 or less 250 $12,090,000 $48,360 $1,221 4.19%
    $200k-400k 244 $66,210,000 $271,352 $3,041 4.21%
    $400k-600k 41 $19,195,000 $468,171 $3,501 4.41%
    $1MM+ 10 $26,350,000 $2,635,000 $6,781 5.05%
    $600k-1MM 9 $7,135,000 $792,778 $5,302 4.96%

    2019 saw American National Bank place emphasis on $100k-200k loans with 311 originations, totaling $45,805,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 192 $25,040,000 $130,417 $2,457 4.03%
    $50k or less 187 $16,305,000 $87,193 $2,344 3.85%
    $100k-150k 146 $31,350,000 $214,726 $2,518 4.36%
    $75k-100k 146 $25,620,000 $175,479 $2,452 4.53%
    $150k-250k 74 $18,520,000 $250,270 $3,024 4.62%
    $250k+ 57 $24,275,000 $425,877 $2,555 5.05%

    American National Bank lent most frequently to those with incomes in the $50k-75k range, with 192 originations. The second most popular income band? $50k or less, with 187 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 166 $25,220,000 $151,928 $1,961 4.34%
    30-36% 156 $30,030,000 $192,500 $2,286 4.31%
    <20% 64 $10,590,000 $165,469 $1,898 4.13%
    44% 44 $7,390,000 $167,955 $2,798 3.92%
    43% 40 $8,690,000 $217,250 $3,101 3.95%
    41% 38 $5,360,000 $141,053 $2,609 4.00%
    40% 36 $7,090,000 $196,944 $2,262 4.44%
    37% 34 $5,190,000 $152,647 $2,539 4.34%
    42% 29 $5,475,000 $188,793 $2,867 4.37%
    38% 28 $4,680,000 $167,143 $2,629 4.33%
    50-60% 27 $5,495,000 $203,519 $3,954 4.34%
    36% 26 $3,900,000 $150,000 $2,693 4.47%
    49% 26 $5,470,000 $210,385 $3,317 4.31%
    39% 25 $3,985,000 $159,400 $2,475 4.46%
    45% 21 $3,925,000 $186,905 $3,382 4.03%
    46% 21 $3,775,000 $179,762 $2,858 4.39%
    47% 20 $4,900,000 $245,000 $3,079 4.25%
    48% 11 $1,995,000 $181,364 $3,042 4.37%
    >60% 2 $300,000 $150,000 $235 5.52%

    American National Bank lent most frequently to those with DTI ratios of 20-30%, with 166 originations. The next most common DTI ratio? 30-36%, with 156 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 770 $138,830,000 $180,299 $2,509 4.24%
    Not applicable 37 $30,065,000 $812,568 $0 5.15%
    Not provided 28 $4,270,000 $152,500 $2,186 4.88%
    Black 17 $1,945,000 $114,412 $2,377 4.28%
    Asian 11 $1,535,000 $139,545 $2,928 4.17%
    Asian Indian 1 $75,000 $75,000 $63 5.65%
    American Indian 1 $65,000 $65,000 $1,918 4.13%

    Approval Rates

    Total approvals of all applications
    89.04%

    American National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    77.92%

    American National Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 865 $176,785,000 $204,376

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 13 $21,695,000 $1,668,846
    Single Family (1-4 Units):Manufactured 6 $430,000 $71,667
    Single Family (1-4 Units):Site-Built 846 $154,660,000 $182,813

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 38 $5,350,000 $140,789 $1,121 5.43%
    40-60% 47 $10,115,000 $215,213 $2,055 4.63%
    60-80% 203 $51,345,000 $252,931 $2,202 4.58%
    80-100% 451 $89,675,000 $198,836 $3,141 4.27%
    Over 100% 13 $8,095,000 $622,692 $9,412 3.95%
    Under 20% 112 $4,700,000 $41,964 $234 3.45%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    AMERICAN FINANCING CORPORATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 3 100.0%

    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 $41,762
    American National Bank 1100 East Fourth Avenue Shakopee, MN 55379 Full Service B&M $62,498
    American National Bank 1155 Hadley Avenue North Oakdale, MN 55128 Full Service B&M $52,881
    American National Bank 1204 Locust Street Carter Lake, IA 51510 Full Service B&M $20,858
    American National Bank 12048 Giles Road La Vista, NE 68128 Full Service B&M $65,592
    American National Bank 13944 S Plaza Omaha, NE 68137 Full Service B&M $33,928
    American National Bank 1413 South Washington Street Papillion, NE 68046 Limited, Mobile/Seasonal Office $0
    American National Bank 310 Broadway Tecumseh, NE 68450 Full Service B&M $36,687
    American National Bank 1413 South Washington Street Papillion, NE 68046 Full Service B&M $54,233
    American National Bank 14545 West Center Road Omaha, NE 68144 Full Service B&M $61,946
    American National Bank 1600 West Broadway Council Bluffs, IA 51501 Full Service B&M $20,326
    American National Bank 1740 North Rice Street Maplewood, MN 55113 Full Service B&M $49,595
    American National Bank 1818 Harlan Street Falls City, NE 68355 Full Service B&M $14,199
    American National Bank 201 Bennett Avenue Council Bluffs, IA 51503 Full Service B&M $131,905
    American National Bank 20412 Veterans Drive Elkhorn, NE 68022 Full Service B&M $49,992
    American National Bank 20635 Highway 370 Gretna, NE 68028 Full Service B&M $49,378
    American National Bank 2650 West Broadway Council Bluffs, IA 51501 Full Service B&M $31,724
    American National Bank 2711 N.E. Highway 10 Mounds View, MN 55112 Full Service B&M $89,545
    American National Bank 3022 Willit Street Omaha, NE 68112 Full Service B&M $62,604
    American National Bank 304 West Erie Street Missouri Valley, IA 51555 Full Service B&M $47,231
    American National Bank 3147 Ames Avenue Omaha, NE 68111 Full Service B&M $86,239
    American National Bank 333 West Broadway Council Bluffs, IA 51503 Full Service B&M $137,358
    American National Bank 363 Main Street Elk Creek, NE 68348 Full Service B&M $4,383
    American National Bank 3707 N 144th St Omaha, NE 68116 Full Service B&M $192,225
    American National Bank 3801 Vermaas Place Lincoln, NE 68502 Full Service B&M $40,186
    American National Bank 4400 W 78th St Ste 100 Bloomington, MN 55435 Full Service B&M $80,673
    American National Bank 4521 Leavenworth St Suite 6 Omaha, NE 68106 Full Service Retail $85,868
    American National Bank 600 Fifth Street Fairbury, NE 68352 Full Service B&M $40,421
    American National Bank 663 University Avenue Saint Paul, MN 55104 Full Service B&M $187,043
    American National Bank 707 4th Street Humboldt, NE 68376 Full Service B&M $26,473
    American National Bank 7921 Dodge Street Omaha, NE 68114 Full Service B&M $52,657
    American National Bank 8004 South 84th Street La Vista, NE 68128 Full Service B&M $33,716
    American National Bank 805 Galvin Road South Bellevue, NE 68005 Full Service B&M $59,039
    American National Bank 8155 L Street Ralston, NE 68127 Full Service B&M $49,860
    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 $590,866
    American National Bank 9009 Maple Street Omaha, NE 68134 Full Service B&M $40,922
    American National Bank 903 Washington Avenue South Minneapolis, MN 55415 Full Service B&M $202,833
    American National Bank 920 Central Avenue Nebraska City, NE 68410 Full Service B&M $37,276

    For 2019, American National Bank had 39 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $169,909
    Net interest income $133,465
    Total noninterest income $19,320
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $6,003
    Trading account gains and fees $0
    Additional Noninterest Income $13,317
    Pre-tax net operating income $61,650
    Securities gains (or losses, -) $-385
    Income before extraordinary items $60,014
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $60,014
    Minority interest net income $0
    Net income $60,014
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $60,391

    American National Bank's gross interest income from loans was $169,909,000.
    American National Bank's net interest income from loans was $133,465,000.
    American National Bank's fee based income from loans was $6,003,000.
    American National Bank's net income from loans was $60,014,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $36,444
    Provision for credit losses $4,500
    Total noninterest expense $86,635
    Salaries and employee benefits $54,665
    Premises and equipment expense $8,452
    Additional noninterest expense $23,518
    Applicable income taxes $1,251
    Net charge-offs $2,207
    Cash dividends $35,247

    American National Bank's interest expense for loans was $36,444,000.
    American National Bank's payroll and benefits expense were $54,665,000.
    American National Bank's property, plant and equipment expenses $8,452,000.

    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 1.0%
    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 1.9%
    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 $3,176,811
    Deposits held in domestic offices $3,176,811
    Deposits by Individuals, partnerships, and corporations $2,816,418
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $250,205
    Deposits by Commercial banks and other depository institutions in U.S. $110,188
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $358,747
    Demand deposits $310,745
    Nontransaction accounts $2,818,064
    Money market deposit accounts (MMDAs) $956,364
    Other savings deposits (excluding MMDAs) $1,424,868
    Total time deposits $436,832
    Total time and savings deposits $2,866,066
    Noninterest-bearing deposits $775,679
    Interest-bearing deposits $2,401,132
    Retail deposits $2,849,547
    IRAs and Keogh plan accounts $67,768
    Brokered deposits $205,711
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $4,043,203
    Cash & Balances due from depository institutions $189,859
    Interest-bearing balances $129,202
    Total securities $679,961
    Federal funds sold & reverse repurchase $0
    Net loans and leases $3,031,198
    Loan and leases loss allowance $40,140
    Trading account assets $0
    Bank premises and fixed assets $36,226
    Other real estate owned $1,079
    Goodwill and other intangibles $31,780
    All other assets $73,100

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $4,043,203
    Total Liabilities $3,641,474
    Total deposits $3,176,811
    Interest-bearing deposits $2,401,132
    Deposits held in domestic offices $3,176,811
    % insured (estimated) $62
    Federal funds purchased and repurchase agreements $22,630
    Trading liabilities $0
    Other borrowed funds $410,477
    Subordinated debt $0
    All other liabilities $31,556

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,031,198
    Loan and leases loss allowance $40,140
    Total loans and leases (domestic) $3,071,338
    All real estate loans $1,673,168
    Real estate loans in domestic offices $1,673,168
    Construction and development loans $279,377
    Residential 1-4 family construction $33,319
    Other construction, all land development and other land $246,058
    Loans secured by nonfarm nonresidential properties $869,114
    Nonfarm nonresidential secured by owner-occupied properties $402,818
    Commercial real estate & other non-farm, non-residential $466,296
    Multifamily residential real estate $160,655
    1-4 family residential loans $318,573
    Farmland loans $45,449
    Loans held in foreign offices $0
    Farm loans $36,470
    Commercial and industrial loans $601,725
    To non-U.S. addressees $0
    Loans to individuals $733,828
    Credit card loans $4,871
    Related Plans $10,540
    Consumer Auto Loans $681,800
    Other loans to individuals $36,617
    All other loans & leases $26,147
    Loans to foreign governments and official institutions $0
    Other loans $7,508
    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 $10,370
    Non 1-4 family restructured loans & leases $8,570
    Total loans and leases (foreign) $0

    American National Bank had $3,031,198,000 of loans outstanding in 2019. $1,673,168,000 of loans were in real estate loans. $279,377,000 of loans were in development loans. $160,655,000 of loans were in multifamily mortgage loans. $318,573,000 of loans were in 1-4 family mortgage loans. $36,470,000 of loans were in farm loans. $4,871,000 of loans were in credit card loans. $681,800,000 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 571 $145,950 $255,604
    Nonfarm, nonresidential loans - <$100k 96 $6,006 $62,563
    Nonfarm, nonresidential loans - $100-250k 184 $22,981 $124,897
    Nonfarm, nonresidential loans - $250k-1MM 291 $116,963 $401,935
    Commercial & Industrial, US addressed loans - <$1MM 1,912 $277,742 $145,263
    Commercial & Industrial, US addressed loans - <$100k 779 $24,865 $31,919
    Commercial & Industrial, US addressed loans - $100-250k 527 $52,089 $98,841
    Commercial & Industrial, US addressed loans - $250k-1MM 606 $200,788 $331,333
    Farmland loans - <$1MM 189 $25,940 $137,249
    Farmland loans - <$100k 59 $2,321 $39,339
    Farmland loans - $100-250k 73 $9,216 $126,247
    Farmland loans - $250k-1MM 57 $14,403 $252,684
    Agriculture operations loans - <$1MM 331 $23,907 $72,227
    Agriculture operations loans - <$100k 225 $6,601 $29,338
    Agriculture operations loans - $100-250k 70 $8,586 $122,657
    Agriculture operations loans - $250k-1MM 36 $8,720 $242,222