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

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • 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 and Refi 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, Phoenix, Lincoln, and Kansas City among others. We have data for 43 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% 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

    1,378

    Origination Dollar Volume (All Markets)

    $300,730,000

    Employee count

    528 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) 1,123 $217,975,000 $194,101 $2,729 2.80%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 98 $50,660,000 $516,939 $2,718 3.65%
    Outside of Metro Areas 92 $15,420,000 $167,609 $2,566 2.85%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 4 $1,780,000 $445,000 $3,458 3.09%
    LINCOLN, NE (FHA|USDA|VA) 7 $1,325,000 $189,286 $2,500 3.13%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $995,000 $331,667 $2,510 3.00%
    Fremont, NE (FHA|USDA|VA) 4 $960,000 $240,000 $2,878 3.25%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $855,000 $855,000 $3,577 2.75%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $645,000 $645,000 $24,156 2.88%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $620,000 $310,000 $6,762 2.88%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2 $560,000 $280,000 $3,932 3.65%
    WICHITA, KS (FHA|USDA|VA) 1 $545,000 $545,000 $3,617 2.25%
    MUSKEGON, MI (FHA|USDA|VA) 1 $545,000 $545,000 $3,548 3.00%
    Spirit Lake, IA (FHA|USDA|VA) 3 $525,000 $175,000 $2,890 3.50%
    Brainerd, MN (FHA|USDA|VA) 1 $515,000 $515,000 $3,176 2.88%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $495,000 $495,000 $2,343 3.00%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $485,000 $485,000 $3,190 3.63%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $435,000 $435,000 $0 3.85%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $395,000 $395,000 $0 3.40%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 3 $355,000 $118,333 $4,180 3.67%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $315,000 $315,000 $4,636 2.63%
    TULSA, OK (FHA|USDA|VA) 1 $295,000 $295,000 $4,312 4.00%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $290,000 $145,000 $3,332 3.50%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $285,000 $285,000 $3,646 2.38%
    BILLINGS, MT (FHA|USDA|VA) 1 $265,000 $265,000 $2,442 2.75%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $265,000 $265,000 $2,125 2.63%
    Hastings, NE (FHA|USDA|VA) 1 $245,000 $245,000 $1,674 2.88%
    Norfolk, NE (FHA|USDA|VA) 2 $220,000 $110,000 $2,196 2.88%
    Carroll, IA (FHA|USDA|VA) 2 $220,000 $110,000 $3,035 3.44%
    DULUTH, MN-WI (FHA|USDA|VA) 1 $215,000 $215,000 $0 3.90%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $205,000 $205,000 $2,636 3.25%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $205,000 $205,000 $2,840 2.88%
    Marshalltown, IA (FHA|USDA|VA) 1 $195,000 $195,000 $2,882 3.13%
    EL PASO, TX (FHA|USDA|VA) 1 $175,000 $175,000 $3,450 3.00%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $165,000 $165,000 $3,326 2.75%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $160,000 $80,000 $0 3.63%
    Fergus Falls, MN (FHA|USDA|VA) 1 $155,000 $155,000 $2,714 3.63%
    MANHATTAN, KS (FHA|USDA|VA) 1 $155,000 $155,000 $2,258 3.50%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $155,000 $155,000 $4,673 2.75%
    Beatrice, NE (FHA|USDA|VA) 2 $150,000 $75,000 $2,352 2.00%
    VALDOSTA, GA (FHA|USDA|VA) 1 $135,000 $135,000 $3,977 3.25%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $115,000 $115,000 $0 3.38%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.50%
    American National Bank's top markets include Omaha, Minneapolis, Phoenix, Lincoln, and Kansas City 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.

    KELLOGG MIDWEST FEDERAL CREDIT UNION
    Similarity Rank: 322
    U.S. HOME MORTGAGE, INC.
    Similarity Rank: 441
    MUTUAL FIRST
    Similarity Rank: 484
    Cobalt Credit Union
    Similarity Rank: 490
    Five Points Bank
    Similarity Rank: 572
    Farmers & Merchants Savings Bank
    Similarity Rank: 720
    METRO CU
    Similarity Rank: 720
    Central National Bank
    Similarity Rank: 792
    Anoka Hennepin Credit Union
    Similarity Rank: 826
    Equitable Bank
    Similarity Rank: 900

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,116 $247,790,000 $222,034 $2,040 2.88%
    FHA 176 $30,100,000 $171,023 $5,672 2.89%
    VA 82 $22,180,000 $270,488 $5,023 2.78%
    USDA 4 $660,000 $165,000 $4,568 2.75%

    For 2021, American National Bank's most frequently originated type of loan was Conventional, with 1,116 originations. Their 2nd most popular type was FHA, with 176 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 886 $193,660,000 $218,578 $3,029 2.66%
    Refi 245 $60,465,000 $246,796 $2,206 3.06%
    Cash Out Refi 194 $40,750,000 $210,052 $2,625 3.29%
    Home Improvement 35 $2,945,000 $84,143 $698 4.01%
    Other 18 $2,910,000 $161,667 $1,433 4.23%

    For 2021, American National Bank's most frequently cited loan purpose was Home Purchase, with 886 originations. The 2nd most popular reason was Refi, with 245 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,071 $222,645,000 $207,885 $2,993 2.78%
    15 Year 122 $24,680,000 $202,295 $2,119 3.02%
    10 Year 70 $24,710,000 $353,000 $475 2.62%
    5 Year 41 $13,395,000 $326,707 $265 3.98%
    Other 33 $7,375,000 $223,485 $1,624 4.05%
    20 Year 29 $5,695,000 $196,379 $2,091 3.11%
    1 Year 11 $2,175,000 $197,727 $0 4.06%
    3 Year 1 $55,000 $55,000 $0 3.99%

    For 2021, American National Bank's most frequently cited loan duration was 30 Year, with 1,071 originations. The 2nd most popular length was 15 Year, with 122 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 796 $148,200,000 $186,181
    $1k-2k 376 $78,170,000 $207,899
    $2k-3k 53 $17,115,000 $322,925
    $3k-4k 17 $5,445,000 $320,294
    $4k-5k 5 $1,655,000 $331,000
    $5k+ 3 $1,285,000 $428,333

    American National Bank's average total fees were $2,993, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 796 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 542 $144,720,000 $267,011
    2.5-3% 479 $110,165,000 $229,990
    <2.5% 248 $25,530,000 $102,944
    4-5% 96 $18,150,000 $189,063
    5-6% 13 $2,165,000 $166,538

    During 2021, American National Bank's average interest rate for loans was 2.78%, while their most frequently originated rate bucket for loans was 3-4%, with 542 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 471 $70,055,000 $148,737 $3,140 3.13%
    $200k-400k 454 $125,690,000 $276,850 $3,368 3.09%
    $100,000 or less 314 $11,520,000 $36,688 $894 2.03%
    $400k-600k 110 $52,780,000 $479,818 $3,428 3.14%
    $1MM+ 18 $32,780,000 $1,821,111 $5,817 3.67%
    $600k-1MM 11 $7,905,000 $718,636 $7,546 3.70%

    2021 saw American National Bank place emphasis on $100k-200k loans with 471 originations, totaling $70,055,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 318 $45,580,000 $143,333 $2,656 2.70%
    $50k or less 309 $28,135,000 $91,052 $2,294 2.33%
    $100k-150k 229 $57,875,000 $252,729 $3,028 3.09%
    $75k-100k 208 $44,110,000 $212,067 $3,179 3.09%
    $150k-250k 122 $37,440,000 $306,885 $2,968 3.27%
    $250k+ 85 $40,965,000 $481,941 $3,140 3.26%

    American National Bank lent most frequently to those with incomes in the $50k-75k range, with 318 originations. The second most popular income band? $50k or less, with 309 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 290 $63,030,000 $217,345 $2,534 2.90%
    30-36% 280 $56,790,000 $202,821 $2,531 2.71%
    <20% 89 $19,475,000 $218,820 $2,270 3.09%
    44% 77 $13,925,000 $180,844 $2,687 2.71%
    42% 55 $9,005,000 $163,727 $2,736 2.57%
    41% 53 $9,825,000 $185,377 $2,631 2.79%
    37% 53 $9,855,000 $185,943 $2,761 2.85%
    43% 51 $10,825,000 $212,255 $3,177 2.89%
    49% 40 $7,770,000 $194,250 $2,976 2.79%
    39% 40 $7,850,000 $196,250 $2,273 3.03%
    40% 39 $7,465,000 $191,410 $3,047 2.99%
    38% 39 $6,835,000 $175,256 $2,680 2.48%
    50-60% 37 $8,605,000 $232,568 $6,229 3.19%
    36% 34 $4,380,000 $128,824 $2,328 2.70%
    48% 30 $5,130,000 $171,000 $3,368 2.51%
    47% 29 $5,415,000 $186,724 $3,109 3.09%
    46% 26 $5,130,000 $197,308 $3,439 2.75%
    45% 25 $4,725,000 $189,000 $3,353 3.05%
    >60% 5 $1,275,000 $255,000 $2,327 4.42%

    American National Bank lent most frequently to those with DTI ratios of 20-30%, with 290 originations. The next most common DTI ratio? 30-36%, with 280 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,152 $226,430,000 $196,554 $2,770 2.79%
    Not applicable 60 $35,730,000 $595,500 $0 3.83%
    Not provided 119 $28,295,000 $237,773 $2,329 3.18%
    Asian 22 $5,050,000 $229,545 $2,809 3.00%
    Black 20 $4,220,000 $211,000 $4,174 3.27%
    American Indian 5 $1,005,000 $201,000 $2,404 3.28%

    Approval Rates

    Total approvals of all applications
    94.82%

    American National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    73.80%

    American National Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,378 $300,730,000 $218,237

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,378 $300,730,000 $218,237

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 51 $7,965,000 $156,176 $1,674 3.57%
    40-60% 143 $30,465,000 $213,042 $2,227 3.06%
    60-80% 386 $107,380,000 $278,187 $2,623 3.26%
    80-100% 595 $145,075,000 $243,824 $3,730 3.09%
    Over 100% 11 $3,595,000 $326,818 $11,239 3.25%
    Under 20% 185 $2,765,000 $14,946 $75 1.02%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    AMERICAN FINANCING CORPORATION VA mortgage Closing on a mortgage 1 8.3%
    AMERICAN FINANCING CORPORATION FHA mortgage Applying for a mortgage or refinancing an existing mortgage 3 25.0%
    AMERICAN FINANCING CORPORATION Conventional home mortgage Closing on a mortgage 3 25.0%
    AMERICAN FINANCING CORPORATION FHA mortgage Struggling to pay mortgage 1 8.3%
    AMERICAN FINANCING CORPORATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 3 25.0%
    AMERICAN FINANCING CORPORATION VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 8.3%

    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 $50,927
    American National Bank 1100 East Fourth Avenue Shakopee, MN 55379 Full Service B&M $85,851
    American National Bank 1155 Hadley Avenue North Oakdale, MN 55128 Full Service B&M $75,826
    American National Bank 1204 Locust Street Carter Lake, IA 51510 Full Service B&M $18,792
    American National Bank 12048 Giles Road La Vista, NE 68128 Full Service B&M $175,357
    American National Bank 13944 S Plaza Omaha, NE 68137 Full Service B&M $84,186
    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 $86,826
    American National Bank 14545 West Center Road Omaha, NE 68144 Full Service B&M $125,982
    American National Bank 1600 West Broadway Council Bluffs, IA 51501 Full Service B&M $22,426
    American National Bank 1740 Rice St Saint Paul, MN 55113 Full Service B&M $76,749
    American National Bank 1818 Harlan Street Falls City, NE 68355 Full Service B&M $17,196
    American National Bank 201 Bennett Avenue Council Bluffs, IA 51503 Full Service B&M $167,491
    American National Bank 20412 Veterans Drive Elkhorn, NE 68022 Full Service B&M $95,758
    American National Bank 20635 Highway 370 Gretna, NE 68028 Full Service B&M $57,356
    American National Bank 2650 West Broadway Council Bluffs, IA 51501 Full Service B&M $39,189
    American National Bank 2711 N.E. Highway 10 Mounds View, MN 55112 Full Service B&M $154,656
    American National Bank 3022 Willit Street Omaha, NE 68112 Full Service B&M $83,488
    American National Bank 304 West Erie Street Missouri Valley, IA 51555 Full Service B&M $60,626
    American National Bank 310 Broadway Tecumseh, NE 68450 Full Service B&M $34,785
    American National Bank 3147 Ames Avenue Omaha, NE 68111 Full Service B&M $116,811
    American National Bank 333 West Broadway Council Bluffs, IA 51503 Full Service B&M $208,100
    American National Bank 363 Main Street Elk Creek, NE 68348 Full Service B&M $18,885
    American National Bank 3707 N 144th St Omaha, NE 68116 Full Service B&M $202,420
    American National Bank 3801 Vermaas Place Lincoln, NE 68502 Full Service B&M $58,166
    American National Bank 4400 W 78th St Ste 100 Bloomington, MN 55435 Full Service B&M $90,381
    American National Bank 600 Fifth Street Fairbury, NE 68352 Full Service B&M $45,827
    American National Bank 600 South Saddle Creek Rd Omaha, NE 68106 Full Service Retail $105,848
    American National Bank 663 University Ave W Saint Paul, MN 55104 Full Service B&M $205,574
    American National Bank 707 4th Street Humboldt, NE 68376 Full Service B&M $26,858
    American National Bank 7921 Dodge Street Omaha, NE 68114 Full Service B&M $62,276
    American National Bank 8004 South 84th Street La Vista, NE 68128 Full Service B&M $45,732
    American National Bank 805 Galvin Road South Bellevue, NE 68005 Full Service B&M $74,313
    American National Bank 8155 L Street Ralston, NE 68127 Full Service B&M $105,774
    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 $573,192
    American National Bank 9009 Maple Street Omaha, NE 68134 Full Service B&M $63,750
    American National Bank 903 Washington Ave S Minneapolis, MN 55415 Full Service B&M $349,955
    American National Bank 920 Central Avenue Nebraska City, NE 68410 Full Service B&M $39,939

    For 2021, American National Bank had 39 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $173,136
    Net interest income $164,403
    Total noninterest income $23,148
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $5,498
    Trading account gains and fees $0
    Additional Noninterest Income $17,650
    Pre-tax net operating income $76,459
    Securities gains (or losses, -) $-2,224
    Income before extraordinary items $72,461
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $72,461
    Minority interest net income $0
    Net income $72,461
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $74,640

    American National Bank's gross interest income from loans was $173,136,000.
    American National Bank's net interest income from loans was $164,403,000.
    American National Bank's fee based income from loans was $5,498,000.
    American National Bank's net income from loans was $72,461,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $8,733
    Provision for credit losses $9,500
    Total noninterest expense $101,592
    Salaries and employee benefits $62,394
    Premises and equipment expense $9,316
    Additional noninterest expense $29,882
    Applicable income taxes $1,774
    Net charge-offs $-731
    Cash dividends $54,305

    American National Bank's interest expense for loans was $8,733,000.
    American National Bank's payroll and benefits expense were $62,394,000.
    American National Bank's property, plant and equipment expenses $9,316,000.

    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 1.1%
    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 $4,196,192
    Deposits held in domestic offices $4,196,192
    Deposits by Individuals, partnerships, and corporations $3,725,037
    Deposits by U.S. Government $3
    Deposits by States and political subdivisions in the U.S. $404,939
    Deposits by Commercial banks and other depository institutions in U.S. $66,213
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $2,165,226
    Demand deposits $2,165,226
    Nontransaction accounts $2,030,966
    Money market deposit accounts (MMDAs) $1,233,166
    Other savings deposits (excluding MMDAs) $439,274
    Total time deposits $358,526
    Total time and savings deposits $2,030,966
    Noninterest-bearing deposits $1,401,072
    Interest-bearing deposits $2,795,120
    Retail deposits $3,910,491
    IRAs and Keogh plan accounts $55,605
    Brokered deposits $221,376
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $4,712,916
    Cash & Balances due from depository institutions $133,418
    Interest-bearing balances $110,698
    Total securities $943,402
    Federal funds sold & reverse repurchase $0
    Net loans and leases $3,514,463
    Loan and leases loss allowance $70,266
    Trading account assets $0
    Bank premises and fixed assets $38,634
    Other real estate owned $0
    Goodwill and other intangibles $29,954
    All other assets $53,045

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $4,712,916
    Total Liabilities $4,260,051
    Total deposits $4,196,192
    Interest-bearing deposits $2,795,120
    Deposits held in domestic offices $4,196,192
    % insured (estimated) $54
    Federal funds purchased and repurchase agreements $28,677
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $35,182

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,514,463
    Loan and leases loss allowance $70,266
    Total loans and leases (domestic) $3,584,729
    All real estate loans $1,761,540
    Real estate loans in domestic offices $1,761,540
    Construction and development loans $396,921
    Residential 1-4 family construction $38,223
    Other construction, all land development and other land $358,698
    Loans secured by nonfarm nonresidential properties $933,898
    Nonfarm nonresidential secured by owner-occupied properties $386,159
    Commercial real estate & other non-farm, non-residential $547,739
    Multifamily residential real estate $168,711
    1-4 family residential loans $230,123
    Farmland loans $31,887
    Loans held in foreign offices $0
    Farm loans $33,425
    Commercial and industrial loans $918,517
    To non-U.S. addressees $0
    Loans to individuals $858,678
    Credit card loans $3,462
    Related Plans $5,932
    Consumer Auto Loans $789,971
    Other loans to individuals $59,313
    All other loans & leases $12,569
    Loans to foreign governments and official institutions $0
    Other loans $4,052
    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 $7,122
    Non 1-4 family restructured loans & leases $5,737
    Total loans and leases (foreign) $0

    American National Bank had $3,514,463,000 of loans outstanding in 2021. $1,761,540,000 of loans were in real estate loans. $396,921,000 of loans were in development loans. $168,711,000 of loans were in multifamily mortgage loans. $230,123,000 of loans were in 1-4 family mortgage loans. $33,425,000 of loans were in farm loans. $3,462,000 of loans were in credit card loans. $789,971,000 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 354 $91,776 $259,254
    Nonfarm, nonresidential loans - <$100k 37 $1,059 $28,622
    Nonfarm, nonresidential loans - $100-250k 106 $11,587 $109,311
    Nonfarm, nonresidential loans - $250k-1MM 211 $79,130 $375,024
    Commercial & Industrial, US addressed loans - <$1MM 3,140 $173,861 $55,370
    Commercial & Industrial, US addressed loans - <$100k 2,539 $73,686 $29,022
    Commercial & Industrial, US addressed loans - $100-250k 328 $29,090 $88,689
    Commercial & Industrial, US addressed loans - $250k-1MM 273 $71,085 $260,385
    Farmland loans - <$1MM 96 $11,315 $117,865
    Farmland loans - <$100k 28 $915 $32,679
    Farmland loans - $100-250k 37 $3,227 $87,216
    Farmland loans - $250k-1MM 31 $7,173 $231,387
    Agriculture operations loans - <$1MM 164 $10,083 $61,482
    Agriculture operations loans - <$100k 88 $1,629 $18,511
    Agriculture operations loans - $100-250k 50 $3,539 $70,780
    Agriculture operations loans - $250k-1MM 26 $4,915 $189,038